Has your debt been piling up lately? Are you exhausted from trying other financial advice and strategies but haven’t solved your problems?
Maybe you’re here because already tried everything.
In most cases, the best option is to speak with experts who can help you settle this issue.
CuraDebt is one of the most asked companies. Many people are asking if they can assist you or put you in more debt.
According to their clients they can help you manage 80% of your debt so that you can finally take a few things off of your plate.
For some, these claims are just too good to be true.
You might be looking for something that will help you resolve your debt. In this scenario, CuraDebt will mostly be recommended by people. We’ll be taking a deep look at the way CuraDebt works and what problems it can help you solve.
Furthermore, before we conclude our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before starting the review, you can check out this video instead for a more relaxing way to watch 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 overview. After, you will want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Signs
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is the most well-known feature. However, they also offer other services that can aid you in becoming more financially stable.
It all begins with requesting a free online savings estimate. This service is very confidential and won’t be doing a credit check. With this savings estimate you’ll be able to learn more about your options to debt-free.
The savings estimate, as mentioned earlier, provides you with an idea of your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with credit arbitration if you decide to sign up. Some financial advisors can help you with your debt-free journey.
Following the debt settlement program is completed, CuraDebt is the company to answer all of your creditors’ calls. They will also be the ones who negotiate the terms of your settlement based on the status of your finances. In determining which option is the most effectively to you, this could be a lump-sum settlement or an installment plan.
Moreover, they will be working with the lenders to help you have better rates as you make deposits to your savings account, which in turn, will be processed to pay back the creditors. The plans they offer can help you settle the debt within the period of 48 months.
After you’ve registered with them, they’ll give you access to your data 24/7. All you need to do is log in to CuraDebts’ client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing your debt. They are able to negotiate settlements on behalf of you for most types of debt. This includes personal loans, medical bills credit cards and also lines of credit. You can also approach them to help settle any remaining balance on business debt, collections, or repossessions.
They can even help negotiate with back taxes as well as IRS debt. But, you won’t receive assistance with the majority cases, 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 the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors to ensure that you receive cash settlements, should it be possible. Some violations can also cause your debt to be removed as well.
CuraDebt also allows you to repay debt for less than the amount you own. They also allow you to inquire about your debt during their no-cost meeting with their debt advisor.
The best part about the program is that you’ll only be charged when your debt is paid off. All you need to sign up for one of their plans and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. After they have gathered all your financial records They will also gather all the documents you’ll require for tax returns.
With this program, you’ll be able to resolve different types of taxes such as wage garnishments and tax penalties, personal and business taxes as well as back taxes and trust fund penalties and tax lien.
There aren’t hidden fees either. They use only flat-fee pricing, which depends on the amount you have to pay.
There are a variety of options when it comes to settling your tax debt. 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 forte but they aren’t able to cater to all types of settlement. CuraDebt concentrates on unsecured debt. They aren’t able to assist you if your loan or debt is linked 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 settle your past-due tax debts without any problems. Furthermore, this service is available to all 50 states if you have a debt towards the IRS. There are tax experts from the federal government that can help you resolve the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In some instances you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. Still, they can help private students negotiate any student loans that they have to pay.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. It is also possible to avail the program of the program if you also have other unsecured credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards as well as private label credit card, CuraDebt will assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your outstanding debts.
Additionally, they do not charge high fees as well. On average, you’ll be required to pay up to 20 percent of the debt that you settled with them.
In general, this type of industry charges between 15 and 25 percent.
Additionally, customers can anticipate to settle their debts within 2 to 4 years. This varies depending on the amount that you are able to save each month.
They also claim that you can save as much as 30% if you include their charges into your calculation.
However, this statement will differ based on your situation. Some customers even claimed to save 50 to 80percent.
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Benefits of using CuraDebt
Now that you have an understanding of the benefits CuraDebt can provide, Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. Additionally they charge only 20% of the cost, whereas most companies charge you 25 percent.
Then, if you’re done by the program for debt relief, you may also sign up for their credit repair program.
It’s a great method to improve the credit rating without having to go in debt again. However, the program lasts different for every person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. This means your debt won’t increase over time. They’ll also investigate any violations of creditor with the assistance of their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt settlement and debt relief typically require you to cease making payments with the credit card you use. If you’re trying to improve your rating on your credit, this may set you back while you’re finishing your credit card debt.
CureDebt also doesn’t have a mobile app. While they do have a website for clients but it’s outdated and basic. It’s not particularly intuitive, and it can be challenging to navigate.
In addition, they’re not credited with an accreditation from the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more for these types of services. Additionally, their 20% service fee is lower than many companies that offer an additional 25% charge. There aren’t any upfront fees, and you will only have to pay when the debt is settled.
While they’ll provide you with an account to see your progress but their website isn’t simple to navigate. CuraDebt does not have an app that will make it easier to track your progress.
But, they do have a competent support staff that you can contact them not only through emails but also by phone or making an electronic ticket. Tax Relief Signs
If credit card is a major issue right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the services they provide are in your state.
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FAQ Tax Relief Signs
How long will it take to complete the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt offers a program for tax relief that can help you with problems such as late payroll tax and garnishments of wages.
What do I need 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.
