Have your debts been increasing lately? Are you tired of trying different financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve been through everything.
In the majority of cases, your best way is to approach experts who can help to resolve this issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they can help you or help you get into more debt.
According to their clients, they can help you manage the majority of your debts so that you can take couple of things off your plate.
But for some people, these claims are just too good to be true.
If you’re looking for any solution that could help you resolve your debt. In that situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at how CuraDebt is used and the problems it can help you solve.
Moreover, before we end our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before beginning the review, watch this video instead if you prefer to watch it.
Otherwise, let’s begin.
Before you go on, you may want to watch 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.
About the Company Three Says Innocent Spouse Can Get Relief From Joint And Several Tax Liability
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become a member of the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is the most well-known feature. They also provide other services that can help you be more financially secure.
First of all, it begins by requesting a free savings estimate on the internet. The service is completely confidential, and they won’t conduct a credit inquiry. With this estimate of savings, you will be able to learn more about the alternatives towards debt-free.
This estimate of savings, as mentioned previously, offers you an insight into your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you in navigating credit arbitration in the event that you decide to enroll. Financial advisors may be able to assist you on your path to debt-free living.
Following your debt settlement program is completed, CuraDebt can be the one to answer all of your creditor’s calls. They’ll also be the ones who determine what you will pay for your settlement depending on the condition of your financial situation. Based on what works best for you, it can be either a lump sum settlement or an installment plan.
Moreover they will be working with the creditors so that you can get better rates when you make deposits to your savings account. This in turn, will process to pay back creditors. The plans they offer can help you pay off the debt in two years.
Once you’ve signed up with them, they will give you access to your data 24/7. All you have to do is sign in to CuraDebts the client portal to monitor your development.
Before you can benefit from the program, you’ll have to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- 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 some of the ways CuraDebt can aid you.
As their name suggests, CuraDebt will assist you in dealing with your debt. They can negotiate settlements on your behalf to settle all kinds of debt. These include medical bills, personal loans, credit cards and also lines of credit. They can also be approached to pay off any remaining balance of business debt and collections or repossessions.
They can even help negotiate with back taxes as well as IRS debt. However, you will not receive assistance with the majority claims, government loans as well as collateral and utility bills. The same goes for student loans.
On the other hand, they will help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, if possible. Certain violations may cause your debt to be removed as well.
CuraDebt lets you repay debt for less than the amount you own. They also allow you to ask questions during their free meeting with their debt advisor.
The best part about the program is that you’ll only have to pay for the charges once your debt is settled. All you have to sign up for one of their plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documents and tax documents, they’ll also collect all the necessary paperwork for tax returns.
With this program, you will be able to resolve the various types of tax problems such as wage garnishments as well as tax penalties for 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 that is based on the amount you’ll must settle.
They offer different options in the settlement of the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
What kinds of debts can they assist you with?
Although they specialize in debt settlement, it is not their specialty, they don’t provide all kinds of debt settlement. CuraDebt only focuses on unsecured debt. They aren’t able to assist you if your credit or loan is tied to an item that is physical.
However, if you have one of the following kinds of debt, they will make arrangements for settlements.
With CuraDebt it is expected that you will be able to settle your past-due tax debts without any issues. Moreover, this type of service is accessible to all 50 states in the event that you have a debt towards the IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
CuraDebt will also help you resolve the medical bills. In some cases you might even be able to pay the debt for less than you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students in negotiating any loans they have to pay.
Payday loans and personal loans are also eligible for the debt settlement program. 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 as well as traditional credit cards as well as private label credit card, CuraDebt will help you pay it off.
How much will it cost?
The most appealing aspect of CuraDebt is how the company has priced its services. They do not charge an upfront cost. The only time you pay is when you settle each of your outstanding debts.
Additionally, they don’t have high-cost fees as well. On average, you’ll have to pay up to 20 percent of the debt you settled through them.
On average, this type of industry can charge anywhere from 15% to 25 percent.
Additionally, customers can anticipate to pay off their debts in two to four years. However, this also varies in relation to the amount you can save up per month.
Also, they claim that you can save up to 30% if you include their fees in your equation.
However, this statement will differ based on your specific situation. Some customers even claimed to save between 50% and 80%.
The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can provide, Let’s take a look at the benefits that come with using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Furthermore they charge only an amount of 20%, while many companies charge 25 percent.
Then, if you’re done with the debt settlement program, you may enroll in their credit restoration program.
It’s an excellent method to improve your credit without going into debt again. The program is however designed differently for each person dependent on the circumstances of your case.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also investigate any creditor violations using their experts in-house.
Some disadvantages to using CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Settlement of debt and debt relief usually require that you stop paying with your credit card. So if you’re trying to improve your credit score, it might delay you from working on your debt.
CureDebt also doesn’t offer a mobile application. While they do have a website that clients can access but it’s outdated and basic. It’s not particularly user-friendly, and can be difficult to navigate.
In addition, they’re not recognized by their Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you settle your debt without spending more for these types of services. In addition, their 20% service cost is lower than many firms that charge a 25% fee. There are no upfront payments, and you will only have to pay when your debt is finally settled.
While they’ll provide you with an account so that you can track your progress but their website isn’t user-friendly. CuraDebt isn’t even an app yet, which could make it easier for you to look at your performance.
They do have a great support team, and you can reach them, not only via emails but by phone or by sending an e-ticket. Three Says Innocent Spouse Can Get Relief From Joint And Several Tax Liability
If the problem of debt is an problem, then we highly recommend CuraDebt’s program. Make sure you’re eligible and that the services that they provide are offered in your state.
FAQ Three Says Innocent Spouse Can Get Relief From Joint And Several Tax Liability
What is the time frame to complete the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt and the stipulated settlement.
Can CuraDebt assist in the fight against state tax issues?
Sure, CuraDebt provides tax relief programs to aid you in dealing with problems such as delinquent payroll tax issues and garnishments of wages.
What do I need to do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to lower your debt over time.