Are you experiencing debt that has been piling up lately? Are you burnt out from trying different financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve been through everything.
In the majority of cases, the best way is to approach experts who can assist to resolve this issue.
CuraDebt is one of the companies that get the most inquiries. Many people are asking if they are able to help or help you get into more debt.
According to their customers, they can assist you in managing the majority of your debts so that you are able to take few things off of your shoulders.
But for some people the claims seem too good to be true.
If you’re looking for anything that can help you resolve your debt. In this case, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth review of how CuraDebt is used and the problems it can solve for you.
In addition, prior to our conclusion we’ll look at its advantages and drawbacks.
Before starting the review, you can watch this video instead for a more relaxing way watching it.
Otherwise, let’s begin.
Before you go on, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Professional
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is an active participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have imposed restrictions on their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. But they offer additional services to aid you in becoming more financially secure.
First of all, it begins with requesting a free online savings estimate. This service is very confidential, and they won’t be doing a credit check. With this savings estimate, you will be able to learn more about the other options in your journey towards debt-free.
Savings estimates, which was mentioned earlier, provides you with the opportunity to consider your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support 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 plan, CuraDebt can be the agency to handle all of your creditor’s calls. They’ll also be the ones who will determine the terms of your settlement depending on the condition of your financial situation. Based on what works best to you, this can be a lump-sum settlement or a payment plan.
Moreover, they will be working with the lenders to help you get better rates when you make deposits to your savings account. This, in turn, will be processed to pay off the creditors. Their plans can help you settle the debt within the period of 48 months.
After you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you need to do is log in to CuraDebts Client Portal to monitor your development.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to satisfy their criteria first. For eligibility, you’ll have to meet the following requirements:
- At least 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What are they able to assist you?
Here are the different 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 behalf of you for most types of debt. This includes personal loans, medical bills, credit cards as well as line of credit. They can also be approached to help settle any remaining balance on business debt and collections or repossessions.
They may even assist you in negotiating for back taxes and IRS debt. However, you will not receive assistance with the majority of your lawsuits, government loans, collateral, and utility bills. The same goes for student loans.
On the contrary, they’ll assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying debtors who are in violation in order to get cash settlements, if possible. Certain violations could lead to having your debts removed as well.
CuraDebt can also help you repay debt for less than the amount you have. They also allow you to have questions answered during a free consult with their debt counsellor.
The most appealing aspect of their plan is that you only have to pay for the charges after your debt has been settled. All you have to sign up to some of their programs, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. After they have gathered all your financial documentation and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
With this program, you should be able to deal with the various types of tax problems such as garnishments on wages, tax penalties, personal and corporate taxes, back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices and is dependent on the amount you’ll must settle.
There are a variety of options when it comes to paying off taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What types of debt are they able to help with?
While debt settlement is their forte, they don’t provide all kinds of debt settlement. CuraDebt only focuses on debt that is not secured. They aren’t able to help you if your loan or debt is linked to an actual item.
If you do have the following types of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to pay tax debts that were due to be paid without difficulty. Additionally, this service is offered to all 50 states if you have a debt towards the IRS. There are federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In certain cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. They can however assist private students negotiate the student loans 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 the program if you have other unsecure credit lines that you got from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards or private label credit cards CuraDebt will help you pay it off.
What is the cost?
The greatest thing about CuraDebt is how they’ve priced their service. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your outstanding debts.
Additionally, they don’t have high-cost fees as well. On average, you’ll be required to pay up to 20 percent of the debt that you settled through them.
On average, this type of industry charges between 15% and 25 percentage.
Moreover, clients can expect to settle their debt from 2 to 4 years. But, it also differs in relation to the amount you are able to save each month.
Also, they claim that you could save up to 30% by incorporating their fees in your equation.
But this claim will also differ based on your specific situation. Some clients even mentioned saving between 50% and 80%.
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The benefits of using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s look into the advantages from using CuraDebt.
The first is that CuraDebt is only charged after you’ve settled your debt. Furthermore they charge only a 20% fee while the majority of companies charge 25%.
If you’re finished in the process of debt resolution you could also sign up for their credit repair program.
It’s an excellent option to rebuild your credit score without having to go back into debt. The program is however designed differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to help with settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also be looking into any violations by creditors with the help of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to stop making payments using the credit card you use. Therefore, if you’re trying increase your credit score, it could delay you from working on your credit card debt.
CureDebt does not have a mobile app. While they do have a website for clients but it’s old and mundane. It’s not very intuitive, and it can be difficult to navigate.
Moreover, they are still not recognized by their Better Business Bureau although they received 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 these kinds of services. Additionally their 20% service cost is lower than many firms that charge the 25% cost. There is no upfront payment, and you will only be required to pay once the debt is paid off.
Although they’ll allow you to access an account that allows you to track your progress, their website is not user-friendly. CuraDebt does not have an app yet, which would make it easier to track your performance. Tax Relief Professional
But, they do have a great support team and can be reached them not just via email but also via phone or making an e-ticket. Tax Relief Professional
If your debt is a big problem 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 area.
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FAQ Tax Relief Professional
What is the time frame to complete the course?
The average program is between 24 and 48 months depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help with tax problems in the state?
Sure, CuraDebt offers a program for tax relief that can assist you with issues such as delinquent payroll taxes and wage garnishments.
What should I do after joining the program?
You’ll need to constantly communicate with the team and make the necessary payments to reduce your debt over time.
