Have your debts been piling up lately? Are you tired of trying different financial advice and tips but still have unsolved issues?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, your best way is to approach experts who can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they can help you or help you get into more debt.
According to their clients, they can assist you in managing 80percent of your debt so that you can take few things off of your shoulders.
For some the claims seem too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at the way CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before you begin the review, you can check out this video instead if you prefer watching it.
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 review. After, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Programs California
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What CuraDebt do?
Helping you settle your debt is the most popular feature. They also provide additional services to assist you in becoming financially secure.
First of all, it begins with requesting a free online savings estimate. It is a completely private service and won’t be doing a credit check. With this estimate of savings, you will discover more about options towards debt-free.
Savings estimates, as mentioned earlier, provides you with an idea of your options, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to help you with credit arbitration in the event that you decide to join. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program is completed, CuraDebt is the company to handle all of the calls from your creditors. They’ll be the ones who will negotiate the terms of your payment depending on the condition of your financial situation. Based on what works most effectively to you, this can be either a lump sum settlement or an installment plan.
Additionally 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 back the creditors. Their programs can assist you to settle the debt within two years.
Once you’ve signed up with them, they’ll provide you with access to your account information 24 hours a day. All you have to do is log in to CuraDebts the client portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to pass their requirements first. For eligibility, you’ll have to be:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you?
Here are the various ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with debt. They can negotiate settlements on behalf of you for all kinds of debt. This includes medical bills, personal loans credit cards as well as loans. They are also able to settle any outstanding balance of business debt and collections or repossessions.
They may also assist in negotiating for back taxes as well as IRS debt. However, you won’t get assistance for the majority claims, loans from the government or collateral, as well as utility bills. The same goes for student loans.
On the contrary, they’ll 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 to ensure that you receive cash settlements, if possible. Certain violations may cause your debt to be dismissed as well.
CuraDebt lets you settle debt with less than the amount you own. They also allow you to inquire about your debt during their no-cost meeting with their debt counselor.
The best part about their program is that you will only have to pay for the charges after your debt has been settled. All you need to sign up for one of their plans and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they collect all of your financial records and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to solve different types of taxes such as wage garnishments, tax penalties, personal and corporate taxes and back taxes, trust fund penalties, and tax liens.
There aren’t any hidden charges also. They only offer flat-fee prices that is based on the amount that you’ll must settle.
There are a variety of options in the settlement of 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 kind of debt are they able to help with?
While debt settlement is their specialization, they don’t provide all kinds of debt settlement. CuraDebt only focuses on debt that is not secured. They aren’t able to assist you if your loan or debt is linked to a physical item.
If, however, you are in the following types of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to pay tax debts that were due to be paid without any problems. Additionally, this service is offered to all 50 states in the event that you have a debt in arrears to IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some cases you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. They can however assist private students in negotiating 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 have obtained from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards as well as private label credit card CuraDebt will help you pay it off.
What is the cost?
The greatest thing about CuraDebt is how they’ve priced their services. They don’t charge an upfront fee. You’ll only pay once you’ve paid 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 you settled with them.
In the average, this kind of industry charges between 15% and 25%.
In addition, customers can expect to settle their debts within 2 to 4 years. This varies according to the amount you save per month.
Also, they claim that you can save as much as 30% by incorporating their fees in your equation.
But this claim will also vary, depending on your specific situation. Some customers even claimed to save 50% to 80percent.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
First, CuraDebt only charges you after you’ve settled your debt. Additionally they charge only 20% of the cost, whereas many companies charge 25 percent.
Then, if you’re done with the debt settlement program, you could join their credit restoration program.
It’s an excellent option to rebuild your credit without having to go in debt again. However, the program lasts in a different way for each individual according to your personal situation.
In the end, CureDebt looks into your credit to help with settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also look into any violations of creditor using their own experts.
Some disadvantages to using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with . Therefore, if you’re trying improve your standing on credit scores, you might set you back while you’re finishing your obligations.
CureDebt doesn’t even have a mobile app available. While they do have a website that clients can access, it looks outdated and basic. It’s not very intuitive and could be challenging to navigate.
In addition, they’re not credited with an accreditation from the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more on those types of services. In addition, their 20% service cost is less expensive than the majority of firms that charge a 25% fee. There aren’t any upfront fees, and you will only have to pay when the debt is settled.
Although they’ll give you an account to see your progress but their website isn’t user-friendly. CuraDebt isn’t even an app yet, which could make it easier for you to monitor your progression.
However, they have a competent support staff that you can contact them, not only via emails but also via phone or submitting an e-ticket. Tax Relief Programs California
If the credit card is a major problem, then we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they provide are in your state.
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FAQ Tax Relief Programs California
What is the time frame to finish the program?
The program typically takes between 24 and 48 months dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
It is true that CuraDebt has a tax relief program to aid you in dealing with problems like delinquent taxes and garnishments of wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and pay the required payments to pay down your debt over time.
