Are you experiencing debt that has been piling up lately? Are you burnt out from trying other financial advice and strategies but still have unsolved issues?
Maybe you’re here because already tried every thing.
In the majority of cases, your best option is to speak with experts who can assist to resolve this issue.
CuraDebt is among the most asked companies. A lot of people are asking if they can help you or put you in more debt.
According to their customers, they can assist you in managing 80% of your debts so that you can finally take a couple of w
orries off your shoulders.
For some they believe these claims are too good to be true.
Suppose you’re on the lookout for any solution that could assist you in paying off your debt. If that’s the case, CuraDebt will mostly be highly recommended by those. We’ll take a deeper study of how CuraDebt operates and what issues it can help you solve.
Furthermore, before we conclude our discussion, we’ll take a look at its advantages and drawbacks.
Before starting the review, you can watch this video instead if you prefer watching 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. Afterward, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Virginia Income Tax Relief Check
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has since become a member of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. They also provide other services that will assist you in becoming financially stable.
The process starts by requesting a no-cost online savings estimate. The service is completely confidential and won’t be doing a credit check. By using this estimate of savings, you will be able to learn more about the options towards debt-free.
Savings estimates, as we’ve mentioned previously, offers you the opportunity to consider your choices regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you with the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement plan, CuraDebt is the agency to handle all of your creditors’ calls. They’ll also be the ones that will determine conditions of the payment depending on the condition of your financial situation. Depending on which works most effectively to you, this could either be a lump sum settlement or a payment plan.
Furthermore they will be working with the creditors to ensure that you get better rates when you deposit money to your savings account. This, is then processed to pay off the creditors. The plans they offer can help you settle the debt within two years.
Once you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts’ client portal to monitor your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to pass their requirements first. For eligibility, you’ll need to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they assist you?
Here are the various ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf to settle most types of debt. They can help with medical bills, personal loans credit cards, as well as line of credit. You can also approach them to pay off any remaining balance on business debt, collections, or repossessions.
They can even help negotiate for back taxes and IRS debt. However, you won’t get support for most 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 with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations so that you can have cash settlements, if possible. Certain violations could lead to having your debts removed as well.
CuraDebt lets you repay debt for less than the amount you have. Additionally, you can have questions answered during a free consultation with their debt counselor.
The most appealing aspect of the program is that you will only pay the fees when your debt is paid off. All you need to sign up to some of their programs, 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, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you should be able to resolve the various types of tax problems such as garnishments on wages and tax penalties, personal and corporate taxes, back taxes, trust fund penalties, and tax lien.
There aren’t hidden fees either. They only use flat-fee pricing that is based on the amount you have to pay.
They have different solutions when it comes to the settlement of taxes. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kind of debt are they able to help with?
Although they specialize in debt settlement, it is not their forte, they don’t cater to all types of debt settlement. CuraDebt concentrates on debt that is not secured. They can’t assist you if your debt or loan is tied to a physical item.
If, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to settle taxes that are due without any issues. Additionally, this service is offered to all 50 states in the event that you have a debt to the IRS. There are federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some instances you might even be able to pay them for less than what you are owed.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. They can however assist private students with negotiating any student loans that they have to pay.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. You may also be eligible if you have other unsecured credit lines that you got from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards, CuraDebt can assist you in paying it off.
What will it cost you?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your debts.
Also, they don’t charge high charges either. In the average, you’ll need to pay up to 20 percent of the debt that you settled through them.
In the average, this kind of industry charges from 15% to 25%.
In addition, customers can expect to settle their debts within two to four years. But, it also differs depending on the amount that you are able to save each month.
Additionally, they 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 80%.
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The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. In addition they only charge 20% of the cost, whereas the majority of companies charge 25%.
Next, if you’re done with the debt settlement program, you could also sign up for their credit restoration program.
It’s an excellent way to restore your credit without having to go into debt again. However, the program runs different for every person according to your personal situation.
In the end, CureDebt looks into your credit to help with settlements and negotiations. It means that your debt won’t increase over time. They’ll also be looking into any violations of creditor with the assistance of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt settlement and debt relief typically require you to stop paying with your credit card. So if you’re trying to improve your standing on credit scores, you may set you back while you’re getting rid of your credit card debt.
CureDebt does not have a mobile app. Although they have a client website however, it appears outdated and basic. It’s not very intuitive, and it can be difficult to navigate.
Furthermore, they are not credited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to settle your debt without spending more on those types of services. In addition their 20% service cost is lower than many businesses that charge the 25% cost. There aren’t any upfront fees, and you will only have to pay the fee when your debt is finally settled.
Although they’ll give you an account so that you can track your progress but their website isn’t user-friendly. CuraDebt does not have an app, which would make it easier to monitor your progression.
However, they have a great support team and can be reached them, not only via emails but also via phone or sending an e-ticket. Virginia Income Tax Relief Check
If your debt is a big issue right now, we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services they provide are in your area.
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FAQ Virginia Income Tax Relief Check
How long does it take to complete the course?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt aid in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs that will assist you with issues such as late payroll tax and wage garnishments.
What do I need to do when I’m enrolled in the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce your debt over time.
