Are you experiencing debt that has been increasing lately? Are you exhausted from trying various financial tips and advice but haven’t solved your problems?
Maybe you’re here because you’ve tried every thing.
In the majority of cases, your best way is to approach professionals that can help you resolve the issue.
CuraDebt is one of the most asked companies. Many people have been inquiring whether they are able to help or help you get into more debt.
According to their clients, they can assist you in managing 80percent of your debt , so you are able to take couple of w
orries off your plate.
For some the claims seem too good to be true.
You might be looking for anything that can assist you in paying off your debt. In this scenario, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at the way CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion we’ll look at its advantages and drawbacks.
Before starting the review, you can go to this video for a more relaxing way for it to be watched.
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 review. After, you will want to read the rest of the article for a more comprehensive review.
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CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most popular feature. They also provide other services that can assist you in becoming financially secure.
The process begins with requesting a free savings estimate online. This service is very confidential and won’t be doing a credit check. With this estimate of savings, you will be able to learn more about the options towards debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an insight into your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you in navigating credit arbitration in the event that you decide to join. Certain financial advisors can assist you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the company to take care of all your creditors’ calls. They will also be the ones who will determine what you will pay for your repayment in accordance with the state of your financial situation. Depending on which works most effectively for you, it can either be a lump sum settlement or the option of a payment plan.
Furthermore they will be working with creditors to ensure that you have better rates as you make deposits to your savings account. This, is then processed to pay back the creditors. Their plans can help you settle the debt within two years.
After you’ve registered with them, they’ll give you access to your information 24/7. All you have to do is sign in to CuraDebts the client portal to monitor your development.
Before you can avail of their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll need to be:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they assist you?
Here are the different ways CuraDebt can help you.
As their name suggests, CuraDebt can help you deal with your debt. They can negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills credit cards as well as line of credit. You can also approach them to pay off any remaining amount on business debts and collections or repossessions.
They can even help negotiate with back taxes and IRS debt. But, you won’t receive assistance for the majority cases, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you in navigating laws such as those of 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 so that you can have cash settlements, should it be possible. Certain violations may result in having your debts also dismissed.
CuraDebt also allows you to pay off debts with less than the amount you own. They also allow you to ask questions during their free consultation with their debt advisor.
The most appealing aspect of the program is that you’ll only pay the fees after your debt has been settled. All you have to do is sign up with one of their plans and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. Once they collect all of your financial documents and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
Through this program, you will be able to solve different types of taxes like garnishments on wages, tax penalties, personal and corporate taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs either. They use only flat-fee pricing, which depends on the amount you need to settle.
There are a variety of options for settling the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
What types of debt are they able to help with?
Although debt settlement is their specialty, they don’t offer all kinds in debt resolution. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if your loan or debt is linked to an item that is physical.
If you do have the following kinds of debt, they’ll make arrangements for settlements.
With CuraDebt the service, you’ll be able to pay tax debts that were due to be paid without difficulty. Furthermore, this service is offered 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.
CuraDebt will also help you resolve any medical-related debt. In certain cases, you may even pay them for less than what you owe.
Private Student Loan
CuraDebt does not offer federal student loans. Still, they can help private students with negotiating the student loans they owe.
Personal loans and payday loans are also eligible as debt-settling programs. It is also possible to avail the program the program if you have other unsecure credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card CuraDebt can help you pay it off.
What will it cost you?
The best part about CuraDebt is the way they’ve priced their services. They don’t charge an upfront fee. You’ll only pay once you settle each of your outstanding debts.
They also do not charge high fees as well. On average, you’ll have to pay between 20 and 20% of the debt you settled through them.
On average, this type of industry charges between 15 and 25 percentage.
In addition, customers can expect to settle their debts within between 2 and 4 years. This varies depending on the amount that you can save up per month.
Also, they claim you can save as much as 30% when you factor in their fees in your equation.
But this claim will also differ based on your situation. Some clients even mentioned saving 50% to up to 80%.
Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt can provide, let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt only charges you when you’ve paid off your debt. Furthermore, they only charge a 20% fee while many companies charge 25%.
If you’re finished in the process of debt resolution you can enroll in their credit restoration program.
It’s a fantastic option to rebuild your credit without going in debt again. However, the program runs in a different way for each individual, depending on your situation.
Lastly, CureDebt looks into your debt so that they can assist in settlements and negotiations. It means that the amount you owe won’t rise as time passes. They’ll also investigate any violations by creditors with the assistance of 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 typically require you to stop making payments using the credit card you use. If you’re trying to improve your standing on credit scores, you could delay you from finishing your debt.
CureDebt does not have a mobile app available. While they have a client website, it looks old and mundane. It’s not particularly intuitive and could be difficult to navigate.
Moreover, they are still not recognized by the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you pay off your debts without spending more for these types of services. Moreover the 20% service fee is cheaper than most businesses that charge an additional 25% charge. There aren’t any upfront fees, and you will only have to pay when the debt is settled.
Although they’ll allow you to access an account to see your progress, their website is not easy to navigate. CuraDebt does not have an app yet, which will make it easier to monitor your performance.
They do have a competent support staff, and you can reach them not only through emails but by phone or by making an electronic ticket. Trump Rolls Back Tax Relief On Americans Costing Them $500
If your credit card is a major problem right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the services they offer are available in your state.
FAQ Trump Rolls Back Tax Relief On Americans Costing Them $500
How long does it take to finish the program?
The average program is between 24 and 48 months depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt has a tax relief program that can assist you with issues like delinquent tax and garnishments on wages.
What do I need to do once I’m 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.