Have your debts been increasing lately? Are you burnt out from trying different financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because already tried every thing.
In the majority of cases, the best option is to speak with professionals that can help to resolve this issue.
CuraDebt is one of the most asked companies. A lot of 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 debts so that you can take couple of things off your plate.
However, for certain people they believe these claims are too good to be true.
You might be looking for something that will assist you in paying off your debt. In that case, CuraDebt will mostly be recommended by people. We’ll take a deeper look at the way CuraDebt operates and what issues 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 beginning the review, check out this video instead if you prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief Training Courses
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has since become an active member 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, certain states have imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best known feature. However, they also offer additional services to assist you in becoming financially stable.
The process begins by requesting a free savings estimate online. It is a completely private service and won’t conduct a credit inquiry. With this savings estimate you’ll learn more about your other options in your journey towards debt-free.
Savings estimates, as mentioned before, gives you an insight into your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with credit arbitration in the event that you decide to join. Some financial advisors can help you in your debt-free journey.
Following your debt settlement program, CuraDebt will be the company to answer all of the calls from your creditors. They will also be the ones that will negotiate the terms of your settlement depending on the condition of your finances. In determining which option is the best your situation, the payment can either be a lump sum settlement or an installment plan.
Furthermore they will also be working with lenders to help you enjoy better rates when you transfer money into your savings account. This, in turn, will process to pay back the creditors. Their plans can help you settle the debt within 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 sign in to CuraDebts Client Portal to track your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to be:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing your debt. They can negotiate settlements on your behalf to settle most types 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 amount on business debts, collections, or repossessions.
They may also assist in negotiating on tax owed as well as IRS debt. However, you won’t get assistance for the majority claims, government loans as well as collateral and utility bills. The same goes for student loans.
On the contrary, they’ll assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation so that you can have cash settlements, should it be possible. Certain violations could lead to having your debts removed as well.
CuraDebt also allows you to pay off debts with less than the sum you have. They also allow you to have questions answered during a free consult with their debt advisor.
The most appealing aspect of the program is that you only pay the fees once your debt is settled. All you need to do is sign up with one of their plans 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 documents and tax documents, they’ll also collect all the necessary paperwork for tax returns.
With this program, you should be able to deal with the various types of tax problems such as wage garnishments and tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges either. They only offer flat-fee prices that is based on the amount that you’ll have to pay.
They offer different options in paying off your tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt can they help you with?
Although debt settlement is their specialty however, they do not offer all kinds of settlement. CuraDebt concentrates on debt that is not secured. They aren’t able to assist you if your loan or debt is linked to an actual item.
If you do have the following types of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to settle taxes that are due without difficulty. Moreover, this type of service is offered to all 50 states in the event that you have a debt to the IRS. They have federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some instances you might even be able to pay them for less than what you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students in negotiating any loans they are owed.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You can also avail of the program if you also have other unsecured credit lines that you got from an alternative financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards or private label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The best part about CuraDebt is how they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you settle each of your debts.
They also don’t have high-cost charges either. On average, you’ll be required to pay up to 20 percent of the debt you settled with them.
In general, this type of business can cost anywhere from 15% to 25 percent.
Additionally, customers can anticipate to settle their debt from between 2 and 4 years. However, this also varies in relation to the amount you can save up per month.
Additionally, they claim that you can save up to 30% when you factor in their fees in your equation.
However, the claim may differ based on your specific situation. Some clients even mentioned saving between 50% and 80%.
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Benefits of using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
First, CuraDebt is only charged when you’ve paid off your debt. In addition they charge only an amount of 20%, while many companies charge 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 your credit without going back into debt. However, the program lasts differently for each person, depending on your situation.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. This means your debt won’t increase as time passes. They’ll also be looking into any violations of creditor using their own experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you stop paying with your credit card. If you’re trying to build a better rating on your credit, this may set you back while you’re working on your credit card debt.
CureDebt does not have a mobile app. While they do have a client website however, it appears old and mundane. It’s not very intuitive and could be difficult to navigate.
Furthermore, they are not recognized by the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to resolve your debt without having to spend more for these types of services. Additionally the 20% service fee is less expensive than the majority of companies that offer 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 so that you can track your progress however, their website isn’t simple to navigate. CuraDebt also doesn’t have an app yet, which will make it easier to monitor your progress. Tax Relief Training Courses
However, they have a good support team, and you can reach them, not only via emails but also via phone or sending an electronic ticket. Tax Relief Training Courses
If the credit card is a major problem right now, we highly recommend CuraDebt’s program. Just make sure that you’re qualified and that the services they provide are in your area.
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FAQ Tax Relief Training Courses
How long does it take to complete the course?
The average program is 24 to 48 months, dependent on the size of your debt as well as the agreement on the settlement.
Can CuraDebt aid in the fight against state tax issues?
Sure, CuraDebt offers a program for tax relief that will help you with problems such as delinquent payroll tax and garnishments on wages.
What do I need to do once I’m in the program?
You’ll have to keep in constant contact with your team members and make the necessary payments to lower your debt over time.
