Have your debts been increasing lately? Are you tired of trying different financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve already tried everything.
In most cases, the best option is to speak with experts who can assist to resolve this issue.
CuraDebt is among the most frequently contacted companies. A lot of people are asking if they are able to help or help you get into more debt.
According to their clients they can assist you in managing the majority of your debts so that you are able to take few things off of your mind.
But for some people they believe these claims are too good to be true.
Suppose you’re on the lookout 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 how CuraDebt is used and the problems it can solve for you.
Moreover, before we end, we’ll also look into its benefits and drawbacks.
Before starting the review, you can watch this video instead in case you would 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. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Tax Relief ?
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best popular feature. However, they also offer other services that can help you be more financially stable.
It all begins by requesting a free savings estimate online. This service is very confidential and won’t be conducting a credit screening. By using this estimate of savings you’ll learn more about your options to debt-free.
This estimate of savings, which was mentioned previously, offers you an idea of your options, regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to help you with credit arbitration if you decide to sign up. Some financial advisors can help you in your debt-free journey.
After your debt settlement program is completed, CuraDebt is the company to answer all of your creditor’s calls. They will be the ones who will negotiate conditions of the repayment depending on the condition of your financial situation. Based on what works best to you, this could either be a lump sum settlement or the option of a payment plan.
Moreover they will also be working with the creditors to ensure that you get better rates when you deposit money to your savings account, which in turn, will process to pay off the creditors. Their programs can assist you to pay off the debt in two years.
After you’ve signed up with them, they’ll give you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts Client Portal to track your performance.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to satisfy their criteria first. For eligibility, you’ll have to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the various ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with debt. They are able to 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 are also able to settle any outstanding amount on business debts, collections, or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you won’t get support for most of your lawsuits, loans from the government or collateral, as well as utility bills. They also don’t cover most student loans.
On the other hand, they can help you use laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations in order to get cash settlements, if they are possible. Some violations can also lead to having your debts also dismissed.
CuraDebt also allows you to settle debt with less than the amount you have. You can also have questions answered during a free consultation with their debt advisor.
The greatest benefit of the program is that you will only pay the fees when your debt is paid off. All you need to sign up to any of the plans, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they’ve gathered all your financial documents, they will also collect all the documents you’ll require for tax returns.
By using this program, you should be able to resolve different types of taxes like garnishments on wages, tax penalties, personal and taxation for business as well as back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees either. They only offer flat-fee prices that is based on the amount you’ll have to pay.
They have different solutions when it comes to settling 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 kinds of debts can they assist you with?
Although they specialize in debt settlement, it is not their specialty but they aren’t able to provide all kinds of settlement. CuraDebt is only focused on debt that is not secured. They won’t be able to help you if the debt or loan is tied to an actual item.
If you do have the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without any problems. Moreover, this type of service is available to all 50 states if you have a debt to the IRS. There are federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In some cases, you may even pay the debt for less than you are owed.
Private Student Loan
CuraDebt does not cater to Federal student loan. Still, they can help private students negotiate any student loans that they owe.
Personal Loan
Payday loans and personal loans also qualify to be eligible for debt relief programs. You may also be eligible if you have other unsecured credit lines you obtained from an alternative financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards, CuraDebt can help you pay 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 an upfront fee. You’ll only pay once you have paid off all of your outstanding debts.
Also, they don’t have high-cost costs either. On average, you’ll be required to pay as much as 20% of the debt you settled with them.
In the average, this kind of business can cost anywhere from 15% to 25 percent.
Additionally, customers can anticipate to settle their debts within two to four years. However, this also varies depending on the amount that you are able to save each month.
They also claim that you can save up to 30% if you include their costs into your calculations.
But this claim will also vary, depending on your situation. Some customers even claimed to save 50% to 80%.
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Benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt offers, let’s explore the benefits that come with using CuraDebt.
In the beginning, CuraDebt only charges you after you’ve settled your debt. Furthermore they charge only an amount of 20%, while the majority of companies charge 25 percent.
Then, if you’re done with the debt settlement program you may also sign up for their credit repair program.
It’s an excellent method to improve your credit without having to go in debt again. The program is however designed differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your debt so that they can help with settlements and negotiations. It means that your debt won’t increase as time passes. They’ll also be looking into any violations of creditor using their experts in-house.
Drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt settlement and debt relief often require you to stop making payments using the credit card you use. If you’re trying to build a better rating on your credit, this could cause you to delay finishing your credit card debt.
CureDebt doesn’t even offer a mobile application. While they have a website for clients but it’s old and mundane. It’s not particularly intuitive, and it can be challenging to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more for these types of services. In addition their 20% service charge is lower than many firms that charge the 25% cost. There is no upfront payment and you’ll only have to pay when the debt is settled.
Although they’ll give you an account so that you can track your progress however, their website isn’t simple to navigate. CuraDebt also doesn’t have an app that will make it easier to look at your progress.
However, they have a great support team and can be reached them, not only via emails but by phone or by making an e-ticket. Tax Relief ?
If the problem of debt is an issue right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the programs they offer are available in your state.
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FAQ Tax Relief ?
What is the time frame to complete the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt and the stipulated settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt offers a program for tax relief that will assist you with issues such as late 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 make the necessary payments to pay down your debt over time.
