Are you experiencing debt that has been increasing lately? Are you exhausted from trying other financial advice and tips but haven’t solved your problems?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, the best option is to speak with experts who can assist to resolve this issue.
CuraDebt is among the most frequently contacted companies. Many customers have asked if they can help you or put you into more debt.
According to their customers, they can help you manage 80% of your debt , so you are able to take couple of things off your plate.
However, for certain people the claims seem too good to be true.
You might be looking for something that will assist you in paying off your debt. If that’s the scenario, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of the way CuraDebt works and what problems it can help you solve.
Moreover, before we end we’ll look at its advantages and drawbacks.
Before starting the review, you can go to this video in case you would prefer watching it.
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 overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Under Section 90
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and 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?
Helping you pay off your debt is one of CuraDebt’s best popular feature. They also provide other services that will aid you in becoming more financially secure.
The process starts by requesting a no-cost online savings estimate. It is a completely private service and won’t conduct a credit inquiry. With this savings estimate you’ll be able to learn more about the alternatives to debt-free.
The savings estimate, as mentioned earlier, provides you with an insight into your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you in navigating credit arbitration if you decide to join. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement program is completed, CuraDebt will be the company to answer all of your creditor’s calls. They will be the ones who negotiate what you will pay for your repayment in accordance with the state of your finances. Based on what works best your situation, the payment could be a lump-sum settlement or an installment plan.
Additionally they will work with creditors to ensure that you have better rates as you transfer money into your savings account, which in turn, will process to pay back creditors. The plans they offer can help you get rid of debt in just 48 months.
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 sign in to CuraDebts the client portal to track your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll have to be:
- Minimum 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they assist you with?
Here are some of the ways CuraDebt can assist 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 the majority of types of debt. This includes medical bills, personal loans credit cards and line of credit. They can also be approached to settle any outstanding balance of business debt, collections, or repossessions.
They may also assist in negotiating on tax owed as well as IRS debt. However, you won’t get assistance with the majority of your lawsuits, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you in navigating laws such as that of 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, if possible. Some violations can also cause your debt to be removed as well.
CuraDebt also allows you to pay off debts with less than the amount you have. Additionally, you can ask questions during their free meeting with their debt counselor.
The best part about the program is that you’ll only have to pay for the charges when your debt is paid off. All you need to do is sign up with 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. Once they collect all of your financial documentation They will also gather all the documents you’ll require for tax returns.
Through this program, you’ll be able to resolve the various types of tax problems such as wage garnishments as well as tax penalties for personal and taxation for business as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges also. They only use flat-fee pricing that is based on the amount that you’ll need to settle.
They have different solutions when it comes to the settlement of 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 can they assist you with?
Although they specialize in debt settlement, it is not their specialization but they aren’t able to provide all kinds of settlement. CuraDebt only focuses on debt that is not secured. They won’t be able to help you if your loan or debt is linked to an actual item.
However, if you have one of the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able to settle your past-due tax debts without any problems. Moreover, this type of service is available across all 50 states, if you owe money in arrears to IRS. There are tax experts from the federal government who can assist you in resolving the issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In some cases you could even settle the debt for less than you are owed.
Private Student Loan
CuraDebt does not offer Federal student loan. Still, they can help private students with negotiating the student loans they have to pay.
Personal Loan
Personal and payday loans also qualify as debt-settling programs. You may also be eligible of the program if you also have other unsecured credit lines that you got from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards CuraDebt will assist you in paying it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They don’t charge upfront fees. The only time you pay is when you’ve paid each of your debts.
Additionally, they don’t have high-cost charges either. On average, you’ll be required to pay as much as 20% of the debt you settled with them.
On average, this type of industry can charge anywhere from 15% to 25 percent.
Moreover, clients can expect to pay off their debts in 2 to 4 years. However, this also varies according to the amount you can save up per month.
They also claim you can save up to 30% by incorporating their costs into your calculations.
However, the claim may differ based on the situation. Some clients even mentioned saving 50% to up to 80%.
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Benefits of using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt can provide, Let’s take a look at the benefits from using CuraDebt.
The first is that CuraDebt only charges you once you’ve paid off your debt. Furthermore they charge only an amount of 20%, while the majority of companies charge 25%.
Next, if you’re done in the process of debt resolution, you can enroll in their credit restoration program.
It’s an excellent way to restore your credit score without having to go back into debt. However, the program lasts differently for each person according to your personal situation.
Finally, 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 investigate any creditor violations using their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop paying with your credit card. Therefore, if you’re trying increase your rating on your credit, this may set you back while you’re working on your credit card debt.
CureDebt doesn’t even offer a mobile application. While they do have a website for clients but it’s aged and simple. It’s not very intuitive, and it can be difficult to navigate.
In addition, they’re not accredited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good program that lets you resolve your debt without having to spend more on these kinds of services. Moreover their 20% service cost is cheaper than most companies that offer a 25% fee. There are no upfront payments, and you will only have to pay the fee when the debt is settled.
Although they’ll allow you to access an account to see your progress however, their website isn’t simple to navigate. CuraDebt does not have an app yet, which will make it easier to monitor your progression.
They do have a great support team, and you can reach them, not only via emails but also by phone or making an e-ticket. Tax Relief Under Section 90
If the debt is a big problem, then we recommend CuraDebt’s service. Be sure to be eligible and that the programs they provide are in your state.
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FAQ Tax Relief Under Section 90
How long does it take to finish the program?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as 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 assist you with issues such as delinquent payroll taxes and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with the team and pay the required payments to pay down your debt over time.
