Have your debts been piling up lately? Are you exhausted from trying various financial advice and strategies but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, the most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is among the most frequently contacted companies. A lot of customers have asked if they can assist you or put you in more debt.
According to their clients, they can help you control 80% of your debt , so you are able to take few things off of your shoulders.
However, for certain people the claims seem too good to be true.
You might be looking for any solution that could assist you in paying off your debt. If that’s the situation, CuraDebt will mostly be recommended by people. We’ll take a deeper review of the way CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before beginning the review, watch this video instead for a more relaxing way 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 overview. After, you’ll want to read the rest of our article for a more comprehensive review.
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CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is a participant in 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?
Helping you settle your debt is the most known feature. However, they also offer additional services to assist you in becoming financially stable.
It all begins by requesting a free online savings estimate. This service is very confidential and won’t conduct a credit inquiry. With this estimate of savings you’ll be able to discover more about options towards debt-free.
The savings estimate, as we’ve mentioned previously, offers you an idea of your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you in navigating the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you on your path to debt-free living.
After your debt settlement plan, CuraDebt can be the one to handle all of the calls from your creditors. They will also be the ones who will negotiate what you will pay for your settlement in accordance with the state of your financial situation. Based on what works best to you, this can either be a lump sum settlement or a payment plan.
Furthermore, they will work with lenders to help you enjoy better rates when you transfer money into your savings account, which in turn, will process to pay creditors. The plans they offer can help you pay off the debt in 48 months.
After you’ve registered with them, they’ll allow you access to your information 24/7. All you need to do is sign in to CuraDebts’ client portal so that you can monitor your progress.
Before you can avail of the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the various ways CuraDebt can assist you.
Like their name implies, CuraDebt can help you deal your debt. They are able to negotiate settlements on your behalf for the majority of types of debt. They can help with personal loans, medical bills credit cards, as well as lines of credit. They are also able to settle any outstanding balance of business debt and collections or repossessions.
They can even help negotiate for back taxes as well as IRS debt. However, you won’t get 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 can help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations in order to get cash settlements, should it be possible. Certain violations could result in having your debts dismissed as well.
CuraDebt can also help you settle debt with less than the sum you have. They also allow you to ask questions during their free meeting with their debt counselor.
The most appealing aspect of their program is that you will only be charged when your debt is paid off. All you have to sign up to one of their plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they collect all of your financial records, they will also collect all the paperwork you’ll need to file tax returns.
Through this program, you will be able to deal with various tax issues such as garnishments on wages, tax penalties, personal and business taxes as well as back taxes, trust fund penalties, and tax lien.
There aren’t hidden fees neither are there hidden fees. They only offer flat-fee prices that is based on the amount you must settle.
They have different solutions when it comes to the settlement of 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
What kind of debt can they assist you with?
While debt settlement is their specialty however, they do not provide all kinds of settlement. CuraDebt concentrates on debt that is not secured. They can’t help you if your credit or loan is tied to a physical item.
If, however, you are in one of the following kinds of debt, they will make arrangements for settlements.
With CuraDebt, you should be able to settle your past-due tax debts without difficulty. Furthermore, this service is accessible 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 can also assist in settling any medical-related debt. In some cases, you may even pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not offer Federal student loan. They can however assist private students with negotiating the student loans they are owed.
Payday loans and personal loans are also eligible for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines that you have obtained from a different bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards, CuraDebt will assist you in paying it off.
What will it cost you?
The best part about CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. Only pay when you have paid off all of your debts.
Also, they don’t charge high fees as well. On average, you’ll have to pay between 20 and 20 percent of the debt you settled with them.
On average, this type of industry can charge anywhere from 15% to 25 percentage.
In addition, customers can expect to pay off their debts in between 2 and 4 years. But, it also differs depending on the amount that you can save up per month.
Additionally, they claim that you could save up to 30% when you factor in their costs into your calculations.
However, this statement will differ based on your situation. Some clients even mentioned saving between 50% and 80percent.
Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt can provide, let’s look into the advantages of using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. Additionally, they only charge an amount of 20%, while the majority of companies charge 25 percent.
If you’re finished with the debt settlement program you can enroll in their credit repair program.
It’s an excellent way to restore the credit rating without having to go in debt again. The program is however designed in a different way for each individual dependent on the circumstances of your case.
Lastly, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also be looking into any creditor violations with the assistance of their in-house experts.
Drawbacks of the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to stop making payments using the credit card you use. So if you’re trying to increase your rating on your credit, this could cause you to delay finishing your credit card debt.
CureDebt also doesn’t have a mobile app. While they do have a website that clients can access however, it appears old and mundane. It’s not particularly intuitive, and it can be difficult to navigate.
In addition, they’re not credited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to pay off your debts without spending more for these types of services. In addition the 20% service charge is lower than many businesses that charge an additional 25% charge. There are no upfront payments, and you will only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account to see your progress however, their website isn’t user-friendly. CuraDebt does not have an app yet, which will make it easier to monitor your performance.
They do have a competent support staff and can be reached them not only through emails but also by phone or making an e-ticket. Trump To Give Tax Relief For $612 To All Working Americans
If your debt is a big problem right now, we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services they offer are available in your state.
FAQ Trump To Give Tax Relief For $612 To All Working Americans
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 as well as the agreed settlement.
Can CuraDebt help with tax problems in the state?
Yes, CuraDebt provides tax relief programs that can aid you in dealing with problems such as delinquent payroll tax issues and wage garnishments.
What should I do when I’m enrolled in the program?
You’ll be required to communicate with the team and pay the required payments to pay down your debt over time.