Are you experiencing debt that has been increasing lately? Are you exhausted from trying various financial advice and tips but haven’t solved your problems?
Maybe you’re here because been through every thing.
In the majority of cases, the best option is to speak with experts who can assist you settle this issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they can help you or help you get into more debt.
According to their clients they can help you manage 80percent of your debts so that you can take couple of things off your shoulders.
However, for certain people they believe these claims are too good to be true.
You might be looking for anything that can assist you in paying off your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth look at how CuraDebt operates and what issues it can help you solve.
Moreover, before we end our discussion, we’ll take a look at its benefits and drawbacks.
Before beginning the review, go to this video if you prefer to watch it.
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 overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company What Is A Tax Relief Program?
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 has been accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is CuraDebt’s most well-known feature. They also provide other services that can help you be more financially secure.
It all begins by requesting a free savings estimate on the internet. The service is completely confidential and won’t be conducting a credit screening. By using this estimate of savings, you will learn more about your options to be debt-free.
Savings estimates, which was mentioned earlier, provides you with the opportunity to consider your choices regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to help you with the process of credit arbitration should you choose to join. Some financial advisors can help you on your path to debt-free living.
After your debt settlement plan, CuraDebt is the agency to handle all of your creditor’s calls. They will be the ones who determine the terms of your settlement depending on the condition of your finances. Depending on which works most effectively to you, this can either be a lump sum settlement or an installment plan.
Additionally they will also work with creditors to ensure that you have better rates as you deposit money to your savings account. This, in turn, will be processed to pay off the creditors. Their programs can assist you to pay off the debt in the period of 48 months.
After you’ve signed up with them, they will give you access to your data 24/7. All you need to do is log in to CuraDebts Client Portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to satisfy their criteria first. To be eligible, you’ll have to meet the following criteria:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with your debt. They can negotiate settlements on behalf of you for all kinds 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 amount on business debts and collections or repossessions.
They can even help negotiate on tax owed as well as IRS debt. However, you will not receive assistance with the majority claims, loans from the government or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation to ensure that you receive cash settlements, should it be possible. Some violations can also lead to having your debts also dismissed.
CuraDebt can also help you settle debt with less than the amount you own. You can also have questions answered during a free meeting with their debt counsellor.
The most appealing aspect of the program is that you’ll only pay the fees when your debt is paid off. All you need to do is sign up with any of the plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. After they have gathered all your financial records and tax documents, they’ll also collect all the necessary paperwork for tax returns.
With this program, you should be able to solve the various types of tax problems like garnishments on wages, tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges also. They use only flat-fee pricing, which depends on the amount you’ll need to settle.
They offer different options in paying off taxes. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What types of debt are they able to help with?
Although debt settlement is their specialization but they aren’t able to offer all kinds of settlement. CuraDebt only focuses on unsecured debt. They aren’t able to help you if the credit or loan is tied to a physical item.
If, however, you are in the following types of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able to settle your past-due tax debts without any problems. Moreover, this type of service is accessible to all 50 states in the event that 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 the medical bills. In certain cases, you may even pay the debt for less than you owe.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. However, they can assist private students in negotiating any student loans that they have to pay.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. It is also possible to avail the program if you have other unsecured credit lines that you got from an alternative financial institution or bank.
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 can help you pay it off.
What is the cost?
The best part about CuraDebt’s pricing is how the company has priced its services. They don’t charge an upfront fee. You’ll only pay once you have paid off all of your outstanding debts.
They also do not charge high fees as well. On average, you’ll be required to pay between 20 and 20% of the debt you settled with them.
In the average, this kind of business can cost anywhere from 15% to 25 percent.
Moreover, clients can expect to settle their debts within two to four years. But, it also differs according to the amount you save per month.
They also claim that you can save up to 30% when you factor in their charges into your calculation.
However, the claim may depend on the situation. Some clients even mentioned saving between 50% and up to 80%.
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The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can provide, let’s look into the advantages of 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 percent.
Then, if you’re done with the debt settlement program you may enroll in their credit repair program.
It’s a great way to restore the credit rating without having to go into debt again. However, the program runs differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also be looking into any violations by creditors with the help of their experts in-house.
Some disadvantages to using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt settlement and debt relief usually require that you stop making payments using your credit card. So if you’re trying to build a better credit score, it might set you back while you’re getting rid of your credit card debt.
CureDebt also doesn’t offer a mobile application. Although they have a website that clients can access but it’s aged and simple. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not credited with their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that will allow you to resolve your debt without having to spend more on these kinds of services. Additionally the 20% service cost is cheaper than most firms that charge a 25% fee. There is no upfront payment and you’ll only have to pay the fee when the debt is paid off.
Although they’ll give you an account that allows you to track your progress but their website isn’t simple to navigate. CuraDebt does not have an app, which could make it easier for you to look at your progress.
They do have a good support team, and you can reach them, not only via emails but also by phone or submitting an e-ticket. What Is A Tax Relief Program?
If the debt is a big problem right now, we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services that they provide are offered in your state.
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FAQ What Is A Tax Relief Program?
What is the time frame to complete the program?
The typical program lasts from 24 to 48 months, depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs that will aid you in dealing with problems like delinquent taxes and wage garnishments.
What should I do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and make the necessary payments to reduce your debt over time.
