Are you experiencing debt that has increased lately? Are you tired of trying other financial advice and strategies but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, your best way is to approach experts who can assist you resolve the issue.
CuraDebt is one of the most frequently contacted companies. A lot of people have been inquiring whether they can help you or help you get into more debt.
According to their clients, they can help you control 80percent of your debt so that you can finally take a couple of w
orries off your mind.
But for some people, these claims are just too good to be true.
You might be looking for anything that can aid you in settling your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth study of the way CuraDebt is used and the problems it could help solve.
Moreover, before we end, we’ll also look into its advantages and drawbacks.
Before starting the review, you can check out this video instead in case you would prefer watching it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of our article for a more comprehensive review.
About the Company The Middle Class Tax Relief And Job Creation Act Of 2021
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. They also provide other services that will assist you in becoming financially secure.
It all begins by requesting a free online savings estimate. This service is very confidential and won’t be conducting a credit screening. With this estimate of savings, you will learn more about your options to be debt-free.
Savings estimates, which was mentioned previously, offers you the opportunity to consider your choices regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you in navigating credit arbitration if you decide to enroll. Some financial advisors can help you with your debt-free journey.
After your debt settlement program is completed, CuraDebt is the one to answer all of your creditors’ calls. They will also be the ones who determine conditions of the settlement in accordance with the state of your financial situation. Based on what works best your situation, the payment could either be a lump sum settlement or an installment plan.
Moreover they will also be working with creditors so that you can have better rates as you transfer money into your savings account. This, is then processed to pay off the creditors. Their programs can assist you to get rid of debt in just the period of 48 months.
Once you’ve signed up with them, they will allow you access to your data 24/7. All you have to do is sign in to CuraDebts’ client portal to monitor your progress.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll have to meet the following requirements:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf to settle the majority of types of debt. This includes personal loans, medical bills credit cards and also loans. They can also be approached to pay off any remaining amount on business debts, collections, or repossessions.
They can even help negotiate on tax owed and IRS debt. However, you will not receive assistance with the majority claims, loans from the government, collateral, and 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 debtors who are in violation to ensure that you receive cash settlements, if they are possible. Certain violations could lead to having your debts removed as well.
CuraDebt can also help you repay debt for less than the sum you have. You can also inquire about your debt during their no-cost meeting with their debt counselor.
The greatest benefit of the program is that you only have to pay for the charges when your debt is paid off. All you have to do is sign up with some of their programs and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they’ve gathered all your financial documentation and tax documents, they’ll also collect all the necessary paperwork for tax returns.
With this program, you should be able to solve the various types of tax problems like garnishments on wages as well as tax penalties for personal and corporate taxes and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges neither are there hidden fees. They use only flat-fee pricing that is based on the amount you have to pay.
There are a variety of options for 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 kinds of debts can they help you with?
Although debt settlement is their forte but they aren’t able to provide all kinds of settlement. CuraDebt is only focused on loans that are not secured. They aren’t able to assist 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 taxes that are due without any issues. Moreover, this type of service is available to all 50 states if you have a debt towards the IRS. There are federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases you could even settle them less than the amount you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students with negotiating any student loans that they have to pay.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. You may also be eligible if you have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt can assist you in paying it off.
What is the cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their services. They don’t charge an upfront fee. Only pay when you’ve paid each of your outstanding debts.
They also don’t have high-cost costs either. In the average, you’ll need to pay up to 20 percent of the debt you settled through them.
In general, this type of industry can charge anywhere between 15 and 25 percent.
In addition, customers can expect to pay off their debts in 2 to 4 years. This varies in relation to the amount you can save up per month.
Also, they claim that you can save up to 30% when you factor in their charges into your calculation.
But this claim will also differ based on your specific situation. Some customers even claimed to save between 50% and 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 of using CuraDebt.
The first is that CuraDebt will only charge you after you’ve settled your debt. In addition they only charge 20% of the cost, whereas most companies charge you 25%.
Next, if you’re done by the program for debt relief you could also sign up for their credit repair program.
It’s an excellent method to improve the credit rating without having to go into debt again. However, the program runs in a different way for each individual, depending on your situation.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, your debt won’t increase over time. They’ll also look into any violations by creditors with the help of their own experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with your credit card. If you’re trying to improve your credit score, it might delay you from working on your obligations.
CureDebt does not have a mobile app. While they do have a website that clients can access but it’s aged and simple. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not credited with the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more on these kinds of services. Moreover, their 20% service fee is less expensive than the majority of companies that offer the 25% cost. There is no upfront payment and you’ll only be required to pay once your debt is finally settled.
While they’ll provide you with an account that allows you to track your progress but their website isn’t easy to navigate. CuraDebt does not have an app, which could make it easier for you to look at your progress.
However, they have a great support team, and you can reach them not just via email but also via phone or sending an e-ticket. The Middle Class Tax Relief And Job Creation Act Of 2021
If problem of debt is an problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the services they provide are in your state.
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FAQ The Middle Class Tax Relief And Job Creation Act Of 2021
How long will it take to complete the course?
The typical program lasts from 24 to 48 months, depending on the amount of your debt and the stipulated settlement.
Can CuraDebt aid with state tax problems?
It is true that CuraDebt has a tax relief program that can assist you with issues like delinquent taxes and garnishments of wages.
What’s the first thing I have to do after joining the program?
You’ll be required to communicate with the team and pay the required payments to pay down your debt over time.
