Has your debt increased lately? Are you tired of trying other financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because tried every thing.
In most cases, the best way is to approach experts who can assist you resolve the issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they are able to help or help you get into more debt.
According to their clients they can help you manage 80% of your debts so that you are able to take few things off of your mind.
For some the claims seem too good to be true.
You might be looking for any solution that could assist you in paying off your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking a deep study of how CuraDebt operates and what issues it could help solve.
Moreover, before we end our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before beginning the review, you can go to this video if you prefer for it to be watched.
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. After, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Top Tax Relief Companies
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is the most well-known feature. But they offer other services that will assist you in becoming financially stable.
It all begins with requesting a free online savings estimate. It is a completely private service, and they won’t be conducting a credit screening. With this estimate of savings you’ll be able to learn more about the other options in your journey to debt-free.
The savings estimate, as mentioned before, gives you an insight into your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to help you with credit arbitration in the event that you decide to join. Certain financial advisors can assist you with your debt-free journey.
After your debt settlement program is completed, CuraDebt can be the one to answer all of your creditor’s calls. They will also be the ones that determine the terms of your settlement based on the status of your financial situation. Based on what works most effectively to you, this can be a lump-sum settlement or the option of a payment plan.
Additionally they will be working with creditors so that you can enjoy better rates when you deposit money to your savings account, which is then processed to pay back creditors. Their plans can help you settle the debt within two years.
After you’ve registered with them, they will provide you with access to your information 24/7. All you have to do is login to CuraDebts the client portal to monitor your performance.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll need to be:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they help you?
Here are the various ways CuraDebt can aid 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 all kinds of debt. This includes medical bills, personal loans, credit cards and lines of credit. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you will not receive assistance for the majority of your lawsuits, government loans or collateral, as well as utility bills. They also don’t cover most 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, should it be possible. Certain violations may cause your debt to be removed as well.
CuraDebt also allows you to settle debt with less than the amount you own. You can also have questions answered during a free consultation with their debt counselor.
The greatest benefit of their program is that you only be charged when your debt is paid off. All you need to do is sign up with any of the plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. After they have gathered all your financial documentation, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to solve various tax issues like wage garnishments and tax penalties, personal and business taxes, back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges either. They only use flat-fee pricing, which depends on the amount you need to settle.
They have different solutions in paying off 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 types of debt can they assist you with?
While debt settlement is their specialization, they don’t cater to all types in debt resolution. CuraDebt is only focused on unsecured debt. They won’t be able to help you if your loan or debt is linked to an actual item.
If, however, you are in the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to pay tax debts that were due to be paid without any issues. Moreover, this type of service is available across all 50 states, if you owe money towards the IRS. There are federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also help resolve your medical debt. In certain cases, you may even pay them less than the amount you owe.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. They can however assist private students negotiate any loans they owe.
Personal Loan
Payday loans and personal 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 an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards CuraDebt will help you pay it off.
How much will it cost?
The best part about CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. You’ll only pay once you’ve paid each of your debts.
Also, they do not charge high charges either. In the average, you’ll need to pay as much as 20 percent of the debt you settled through them.
On average, this type of business can cost anywhere between 15% and 25%.
Moreover, clients can expect to settle their debt from between 2 and 4 years. But, it also differs according to the amount you can save up per month.
They also claim that you can save as much as 30% by incorporating their costs into your calculations.
However, the claim may depend on the situation. Some customers even claimed to save 50% to 80percent.
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Advantages to using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can offer you Let’s take a look at the benefits that come with using CuraDebt.
In the beginning, CuraDebt will only charge you once you’ve paid off your debt. In addition, they only charge an amount of 20%, while many companies charge 25%.
Then, if you’re done with the debt settlement program, you can join their credit repair program.
It’s an excellent method to improve your credit without having to go into debt again. The program is however designed differently for each person, depending on your situation.
In the end, CureDebt looks into your credit to assist in settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also be looking into any violations of creditor with the help of their own experts.
Drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to cease making payments with the credit card you use. Therefore, if you’re trying build a better rating on your credit, this might delay you from working on your debt.
CureDebt doesn’t even have a mobile app available. While they do have a client website but it’s aged and simple. It’s not particularly intuitive, and it can be challenging to navigate.
Moreover, they are still not recognized by their Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more on those types of services. Additionally the 20% service charge is cheaper than most firms that charge the 25% cost. There are no upfront payments and you’ll 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 easy to navigate. CuraDebt does not have an app, which would make it easier to track your performance. Top Tax Relief Companies
However, they have a great support team that you can contact them, not only via emails but also via phone or submitting an electronic ticket. Top Tax Relief Companies
If problem of debt is an problem, then we recommend CuraDebt’s service. Be sure to be eligible and that the services that they provide are offered in your state.
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FAQ Top Tax Relief Companies
How long does it take to finish the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
Yes, CuraDebt offers a program for tax relief that will aid you in dealing with problems such as delinquent payroll tax issues and garnishments of 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 reduce your debt over time.
