Are you experiencing debt that has increased lately? Are you exhausted from trying different financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, your most effective approach is to talk to experts who can assist you settle this issue.
CuraDebt is one of the most frequently contacted companies. A lot of people have been inquiring whether they can assist you or help you get into more debt.
According to their clients they can help you control 80% of your debts so that you are able to take few things off of your shoulders.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout for any solution that could aid you in settling your debt. In this situation, CuraDebt will mostly be recommended by people. We’ll take a deeper review of the way CuraDebt works and what problems it can help you solve.
In addition, prior to our conclusion we’ll look at its advantages and drawbacks.
Before beginning the review, watch this video instead for a more relaxing way for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Offer In Compromise Real World Experience
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been an active member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. They also provide additional services to help you be more financially stable.
First of all, it begins with requesting a free savings estimate on the internet. It is a completely private service, and they won’t be conducting a credit screening. With this estimate of savings you’ll be able to learn more about the other options in your journey towards debt-free.
Savings estimates, as mentioned earlier, provides you with an insight into your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you in navigating the process of credit arbitration should you choose to enroll. Some financial advisors can help you with your debt-free journey.
Following the debt settlement plan, CuraDebt can be the one to handle all of the calls from your creditors. They’ll also be the ones that determine the terms of your repayment in accordance with the state of your financial situation. Depending on which works most effectively your situation, the payment could either be a lump sum settlement or a payment plan.
Additionally they will also be working with the lenders to help you have better rates as you deposit money to your savings account. This, is then processed to pay off the creditors. The plans they offer can help you get rid of debt in just 48 months.
Once you’ve signed up with them, they will give you access to your data 24/7. All you need to do is sign in to CuraDebts the client portal to monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need to meet the following requirements:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal your debt. They can negotiate settlements on your behalf for most types of debt. This includes personal loans, medical bills, credit cards as well as loans. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They may also assist in negotiating on tax owed and IRS debt. But, you won’t receive assistance with the majority cases, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they can help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify debtors who are in violation so that you can have cash settlements, if they are possible. Certain violations may lead to having your debts removed as well.
CuraDebt can also help you settle debt with less than the sum you have. You can also have questions answered during a free meeting with their debt counselor.
The best part about their program is that you only pay the fees when your debt is paid off. All you need to sign up to any of the plans, and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they’ve gathered all your financial documentation and tax documents, they’ll also collect all the documents you’ll require for tax returns.
With this program, you should be able to resolve the various types of tax problems such as garnishments on wages, tax penalties, personal and corporate taxes and back taxes and trust fund penalties and tax liens.
There aren’t hidden fees also. They use only flat-fee pricing and is dependent on the amount you’ll need to settle.
There are a variety of options for paying off your tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kinds of debts are they able to help with?
Although they specialize in debt settlement, it is not their specialization, they don’t cater to all types of debt settlement. CuraDebt concentrates on loans that are not secured. They can’t assist you if your debt or loan is tied to a physical item.
However, if you have one of the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to pay your past-due tax debts without any problems. Furthermore, this service is available to all 50 states if you have a debt to the IRS. There are tax experts from the federal government to assist you with the issues.
Medical Debt
CuraDebt will also help you resolve your medical debt. In some cases, you may even pay the debt for less than you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. Still, they can help private students in negotiating any loans they have to pay.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. You may also be eligible if you have other unsecured credit lines that you got from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, or private label credit cards, CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is the way they’ve priced their services. They do not charge an upfront cost. Only pay when you have paid off all of your outstanding debts.
Also, they don’t have high-cost charges either. On average, you’ll be required to pay between 20 and 20% of the debt you settled through them.
On average, this type of industry can charge anywhere from 15% to 25%.
In addition, customers can expect to pay off their debts in two to four years. This varies in relation to the amount you can save up per month.
Additionally, they claim you can save as much as 30% by incorporating their costs into your calculations.
However, the claim may depend on your specific situation. Some customers have even talked about saving 50% to up to 80%.
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Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt can provide, let’s explore the benefits from using CuraDebt.
First, CuraDebt only charges you when you’ve paid off your debt. Additionally they charge only a 20% fee while many companies charge 25%.
Next, if you’re done by the program for debt relief, you can also sign up for their credit repair program.
It’s a fantastic option to rebuild your credit without having to go into debt again. The program is however designed differently for each person according to your personal situation.
Finally, CureDebt looks into your debt so that they can assist in settlements and negotiations. So, your debt won’t increase as time passes. They’ll also investigate any violations of creditor with the help of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you stop making payments using your credit card. Therefore, if you’re trying increase your standing on credit scores, you could cause you to delay finishing your obligations.
CureDebt doesn’t even have a mobile app available. Although they have a client website, it looks aged and simple. It’s not particularly intuitive and could be challenging to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to settle your debt without spending more on these kinds of services. Additionally their 20% service charge is less expensive than the majority of companies that offer the 25% cost. There aren’t any upfront fees, and you will only be required to pay once your debt is finally settled.
While they’ll provide you with an account that allows you to track your progress however, their website isn’t user-friendly. CuraDebt does not have an app yet, which could make it easier for you to look at your progression.
However, they have a competent support staff and can be reached them, not only via emails but also by phone or sending an e-ticket. Tax Relief Offer In Compromise Real World Experience
If the problem of debt is an issue right now, we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services that they provide are offered in your state.
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FAQ Tax Relief Offer In Compromise Real World Experience
What is the time frame to finish the program?
The average program is 24 to 48 months, dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt aid in the fight against state tax issues?
Sure, CuraDebt provides tax relief programs that can assist you with issues such as delinquent payroll tax issues and garnishments of wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to reduce the amount of debt you have over time.
