Are you experiencing debt that has been piling up lately? Are you exhausted from trying other financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because already tried everything.
In the majority of cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is among the most frequently contacted companies. A lot of customers have asked if they are able to help or help you get into more debt.
According to their customers, they can help you manage 80percent of your debts so that you are able to take couple of w
orries off your plate.
However, for certain people the claims seem too good to be true.
If you’re looking for something that will assist you in paying off your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of the way CuraDebt operates and what issues it can help you solve.
In addition, prior to our conclusion, we’ll also look into its advantages and drawbacks.
Before beginning the review, go to this video in case you would prefer 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 overview. After, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Resolution Whereas
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best well-known feature. They also provide other services that will assist you in becoming financially secure.
First of all, it begins by requesting a free savings estimate online. The service is completely confidential and won’t conduct a credit inquiry. With this savings estimate you’ll discover more about options to debt-free.
This estimate of savings, as mentioned earlier, provides you with an idea of your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to help you with credit arbitration in the event that you decide to join. Some financial advisors can help you on your path to debt-free living.
After your debt settlement plan, CuraDebt can be the company to handle all of your creditors’ calls. They will also be the ones that determine what you will pay for your repayment based on the status of your finances. In determining which option is the most effectively your situation, the payment can be either a lump sum settlement or an installment plan.
Moreover they will be working with the lenders to help you have better rates as you deposit money to your savings account, which in turn, will process to pay the creditors. Their plans can help you pay off the debt in two years.
After you’ve registered with them, they will give you access to your account information 24 hours a day. All you need to do is log in to CuraDebts’ client portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. For eligibility, you’ll have to be:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing your debt. They can negotiate settlements on your behalf to settle all kinds of debt. This includes personal loans, medical bills, credit cards as well as lines of credit. They can also be approached to pay off any remaining balance of business debt collection, repossessions, or collections.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with the majority cases, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations so that you can have cash settlements, if possible. Certain violations could lead to having your debts removed as well.
CuraDebt lets you repay debt for less than the amount you have. They also allow you to inquire about your debt during their no-cost meeting with their debt advisor.
The most appealing aspect of their program is that you will only have to pay for the charges once your debt is settled. All you need to sign up for one of their plans, and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documentation, they will also collect all the documents you’ll require to file tax returns.
With this program, you should be able to deal with the various types of tax problems like wage garnishments and tax penalties, personal and taxation for business, back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs either. They only offer flat-fee prices that is based on the amount that you’ll must settle.
They have different solutions in the settlement of taxes. Here are six 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 are they able to help with?
Although debt settlement is their specialty however, they do not offer all kinds of debt settlement. CuraDebt is only focused on loans that are not secured. They can’t help you if the credit or loan is tied to a physical item.
However, if you have one of the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to settle your past-due tax debts without any issues. Furthermore, this service is accessible across all 50 states, if you have a debt to the IRS. They have federal tax experts that can help you resolve these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In certain cases you might even be able to pay them for less than what you are owed.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. Still, they can help private students negotiate any student loans that they have to pay.
Personal Loan
Payday loans and personal loans are also eligible to be eligible for debt relief programs. 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’re in debt using store credit cards, traditional credit cards, or private label credit cards CuraDebt will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. You’ll only pay once you have paid off all of your outstanding debts.
They also don’t have high-cost charges either. On average, you’ll have to pay as much as 20 percent of the debt you settled with them.
On average, this type of industry charges between 15 and 25 percent.
Moreover, clients can expect to pay off their debts in between 2 and 4 years. But, it also differs in relation to the amount you save per month.
They also claim you can save up to 30% when you factor in their costs into your calculations.
But this claim will also differ based on your situation. Some clients even mentioned saving 50 to 80percent.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can provide, Let’s take a look at the benefits of 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%.
Then, if you’re done with the debt settlement program you can enroll in their credit repair program.
It’s an excellent option to rebuild the credit rating without having to go in 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 help with settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also be looking into any violations of creditor using their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with . Therefore, if you’re trying improve your credit score, it may set you back while you’re getting rid of your debt.
CureDebt does not have a mobile app available. While they have a client website but it’s outdated and basic. It’s not particularly intuitive and could be challenging to navigate.
Furthermore, they are not recognized by the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good 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 less expensive than the majority of businesses that charge the 25% cost. There are no upfront payments and you’ll only be required to pay once the debt is settled.
While they’ll provide you with an account that allows you to track your progress however, their website isn’t easy to navigate. CuraDebt does not have an app, which would make it easier to look at your progress.
They do have a great support team, and you can reach them not only through emails but by phone or by sending an electronic ticket. Tax Relief Resolution Whereas
If your credit card is a major problem right now, we strongly recommend CuraDebt’s debt management program. Be sure to be eligible and that the programs that they provide are offered in your state.
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FAQ Tax Relief Resolution Whereas
How long does it take to complete the course?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt offers a program for tax relief to help you with problems like delinquent taxes and wage garnishments.
What’s the first thing I have to do once I’m in the program?
You’ll need to constantly communicate with the team and make the necessary payments to reduce the amount of debt you have over time.
