Have your debts been piling up lately? Are you burnt out from trying other financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve been through every thing.
In most cases, the best option is to speak with experts who can assist you resolve the issue.
CuraDebt is among the companies that get the most inquiries. Many people have been inquiring whether they can assist you or put you in more debt.
According to their customers, they can help you manage 80percent of your debt , so you can take couple of things off your mind.
But for some people the claims seem too good to be true.
If you’re looking for anything that can assist you in paying off your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth review of how CuraDebt operates and what issues it can help you solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before beginning the review, watch this video instead in case you would prefer watching it.
Otherwise, let’s begin.
Before you go on, 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 the article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Prgrams
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best known feature. They also provide other services that can help you be more financially secure.
It all begins by requesting a free online savings estimate. This service is very confidential, and they won’t conduct a credit inquiry. With this savings estimate, you will be able to learn more about the options towards debt-free.
The savings estimate, as we’ve mentioned previously, offers you an insight into your choices regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you in navigating the process of credit arbitration should you choose to join. Certain financial advisors can assist you with your debt-free journey.
Following your debt settlement program, CuraDebt is the one to handle all of your creditor’s calls. They’ll also be the ones who negotiate conditions of the repayment in accordance with the state of your finances. Based on what works most effectively your situation, the payment can be a lump-sum settlement or a payment plan.
Moreover they will also work with lenders to help you enjoy better rates when you make deposits to your savings account. This in turn, will be processed to pay the creditors. Their plans can help you pay off the debt in two years.
After you’ve registered with them, they’ll allow you access to your account information 24 hours a day. All you have to do is log in to CuraDebts the client portal to track your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they assist you?
Here are the different ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. This includes personal loans, medical bills credit cards, and also loans. They can also be approached to settle any outstanding balance of business debt, collections, or repossessions.
They may also assist in negotiating on tax owed and IRS debt. However, you will not receive support for most of your lawsuits, loans from the government or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations so that you can have cash settlements, if possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt also allows you to pay off debts with less than the amount you own. They also allow you to ask questions during their free consultation with their debt counsellor.
The most appealing aspect of their plan is that you only be charged after your debt has been settled. All you have to sign up to some of their programs, and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they collect all of your financial records and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
Through this program, you’ll be able to deal with different types of taxes such as garnishments on wages, tax penalties, personal and taxation for business, back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees neither are there hidden fees. They only use flat-fee pricing and is dependent on the amount you’ll have to pay.
They have different solutions 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 abatements
- Currently non-collectible
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What types of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialty however, they do not cater to all types of settlement. CuraDebt only focuses on unsecured debt. They aren’t able to assist you if your credit 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 it is expected that you will be able to pay taxes that are due without any problems. Additionally, this service is accessible to all 50 states if you have a debt in arrears to IRS. There are tax experts from the federal government who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also assist in settling any medical-related debt. In some instances you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. They can however assist private students with negotiating any loans they are owed.
Personal Loan
Personal and payday loans also qualify as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines that you have obtained from a different financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards or private label credit cards, CuraDebt will assist you in paying it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how the company has priced its services. They don’t charge an upfront fee. You’ll only pay once you settle each of your outstanding debts.
They also do not charge high costs either. On average, you’ll have to pay up to 20 percent of the debt that you settled with them.
In the average, this kind of industry charges between 15% and 25 percentage.
Moreover, clients can expect to settle their debts within 2 to 4 years. This varies according to the amount you save per month.
Additionally, they claim you can save up to 30% if you include their costs into your calculations.
However, the claim may vary, depending on the situation. Some customers even claimed to save between 50% and 80percent.
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Advantages to using CuraDebt
Once you’ve got an idea of what CuraDebt can offer you let’s explore the benefits of using CuraDebt.
The first is that CuraDebt will only charge you when you’ve paid off your debt. In addition they charge only an amount of 20%, while most companies charge you 25%.
If you’re finished by the program for debt relief, you can enroll in their credit repair program.
It’s a great way to restore your credit without going into debt again. However, the program lasts in a different way for each individual, depending on your situation.
Lastly, CureDebt looks into your financial obligations to assist with settlements and negotiations. It means that your debt won’t increase as time passes. They’ll also look into any creditor violations with the help of their experts in-house.
Drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with . If you’re trying to improve your standing on credit scores, you might set you back while you’re finishing your credit card debt.
CureDebt doesn’t even have a mobile app available. While they do have a website that clients can access but it’s outdated and basic. It’s not very intuitive, and it can be difficult to navigate.
Moreover, they are still not credited with an accreditation from the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that will allow you to resolve your debt without having to spend more on those types of services. In addition their 20% service fee is cheaper than most businesses that charge an additional 25% charge. There is no upfront payment, and you will only have to pay when your debt is finally settled.
Although they’ll allow you to access an account that allows you to track your progress, their website is not simple to navigate. CuraDebt does not have an app yet, which could make it easier for you to monitor your progression.
However, they have a good support team that you can contact them, not only via emails but also via phone or submitting an electronic ticket. Tax Relief Prgrams
If problem of debt is an problem right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the services they provide are in your area.
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FAQ Tax Relief Prgrams
What is the time frame to finish the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt assist with tax problems in the state?
It is true that CuraDebt offers a program for tax relief to aid you in dealing with problems such as delinquent payroll taxes and garnishments on wages.
What do I need to do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and pay the required payments to lower your debt over time.
