Have your debts been increasing lately? Are you exhausted from trying various financial tips and advice but still have unsolved issues?
Maybe you’re here because already tried everything.
In most cases, the best option is to speak with experts who can help you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. Many people have been inquiring whether they are able to help or help you get into more debt.
According to their clients, they can help you manage the majority of your debts so that you can take couple of things off your mind.
But for some people, these claims are just too good to be true.
If you’re looking for anything that can aid you in settling your debt. In that situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at how CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before you begin the review, watch this video instead if you prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief On Pension Contributions Example
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best known feature. They also provide other services that can aid you in becoming more financially secure.
It all begins by requesting a free savings estimate online. It is a completely private service and won’t be doing a credit check. By using this estimate of savings you’ll discover more about options towards debt-free.
The savings estimate, as mentioned earlier, provides you with an insight into your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you in navigating the process of credit arbitration should you choose to join. Some financial advisors can help you with your debt-free journey.
After your debt settlement program is completed, CuraDebt is the agency to answer all of your creditors’ calls. They’ll also be the ones who negotiate what you will pay for your repayment in accordance with the state of your finances. Based on what works most effectively your situation, the payment could be either a lump sum settlement or a payment plan.
Moreover, they will work with creditors so that you can get better rates when you deposit money to your savings account, which is then processed to pay back creditors. Their plans can help you pay off the debt in 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 Client Portal to monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- At least 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they assist you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf for all kinds of debt. This includes personal loans, medical bills credit cards and also loans. They can also be approached to pay off any remaining amount on business debts and collections or repossessions.
They may even assist you in negotiating with back taxes and IRS debt. However, you won’t get assistance with the majority claims, loans from the government as well as collateral and utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors in order to get cash settlements, should it be possible. Some violations can also result in having your debts removed as well.
CuraDebt can also help you settle debt with less than the amount you own. You can also ask questions during their free consultation with their debt counselor.
The greatest benefit of their program is that you only have to pay for the charges when your debt is paid off. All you need to do is sign up with one of their plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they’ve gathered all your financial documentation, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you will be able to solve the various types of tax problems like wage garnishments and tax penalties, personal and corporate taxes as well as back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges either. They only use flat-fee pricing, which depends on the amount that you’ll must settle.
They offer different options when it comes to the settlement of taxes. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kinds of debts can they help you with?
Although debt settlement is their specialization but they aren’t able to offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They aren’t able to assist you if your loan or debt is linked to an item that is physical.
However, if you have one of the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to settle taxes that are due without difficulty. Moreover, this type of service is offered to all 50 states if you have a debt towards the IRS. They have federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In certain cases you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. They can however assist private students with negotiating any student loans that they owe.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. It is also possible to avail the program if you have other unsecured credit lines that you have obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards, CuraDebt can assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is how the company has priced its services. They do not charge an upfront cost. You’ll only pay once you have paid off all of your debts.
Additionally, they don’t charge high charges either. On average, you’ll have to pay between 20 and 20 percent of the debt that you settled with them.
In the average, this kind of industry can charge anywhere from 15% to 25%.
In addition, customers can expect to settle their debt from 2 to 4 years. But, it also differs according to the amount you can save up per month.
Also, they claim you can save as much as 30% when you factor in their costs into your calculations.
However, this statement will vary, depending on your situation. Some customers even claimed to save 50% to 80%.
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Benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can provide, let’s explore the benefits from using CuraDebt.
In the beginning, CuraDebt only charges you when you’ve paid off your debt. In addition they only charge an amount of 20%, while most companies charge you 25%.
Next, if you’re done by the program for debt relief you can also sign up for their credit restoration program.
It’s an excellent way to restore the credit rating without having to go in debt again. However, the program lasts differently for each person, depending on your situation.
Finally, CureDebt looks into your debt so that they can assist in settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also investigate any violations of creditor with the assistance of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Debt relief and debt settlements typically require you to cease making payments with your credit card. If you’re trying to improve your standing on credit scores, you might cause you to delay getting rid of your obligations.
CureDebt does not have a mobile app. While they do have a website that clients can access however, it appears outdated and basic. It’s not particularly user-friendly, and can be difficult to navigate.
Moreover, they are still not credited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more for these types of services. In addition their 20% service fee is lower than many companies that offer the 25% cost. There is no upfront payment and you’ll only be required to pay once the debt is paid off.
While they’ll provide you with an account so that you can track your progress however, their website isn’t simple to navigate. CuraDebt does not have an app yet, which would make it easier to look at your progress.
But, they do have a competent support staff that you can contact them not just via email but also via phone or sending an e-ticket. Tax Relief On Pension Contributions Example
If your debt is a big problem, then we recommend CuraDebt’s service. Be sure to be qualified and that the services they provide are in your state.
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FAQ Tax Relief On Pension Contributions Example
How long does it take to finish the program?
The program typically takes 24 to 48 months, depending on the amount of your debt as well as the agreed settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt has a tax relief program that can assist you with issues like delinquent taxes and garnishments of wages.
What should I do after joining the program?
You’ll be required to communicate with your team members and make the necessary payments to lower your debt over time.
