Have your debts increased lately? Are you burnt out from trying different financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve already tried everything.
In most cases, the most effective approach is to talk to experts who can help you resolve the issue.
CuraDebt is among the companies that get the most inquiries. A lot of people are asking if they are able to help or help you get into more debt.
According to their clients they can help you control 80% of your debt , so you can take few things off of your mind.
But for some people the claims seem too good to be true.
If you’re looking for anything that can assist you in paying off your debt. If that’s the scenario, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review 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 beginning the review, you can go to this video in case you would 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 review. Afterward, you will want to read the rest of the article for a more comprehensive review.
About the Company What’S More Expensive Tax Attys Or Tax Relief Services
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been an active 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 it is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most well-known feature. But they offer additional services to aid you in becoming more financially stable.
It all starts by requesting a no-cost savings estimate on the internet. This service is very confidential and they will not be doing a credit check. By using this estimate of savings, you will discover more about options to debt-free.
This estimate of savings, as we’ve mentioned before, gives you an insight into your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to help you with credit arbitration if you decide to enroll. Financial advisors may be able to assist you on your path to debt-free living.
Following the debt settlement plan, CuraDebt will be the one to answer all of the calls from your creditors. They’ll also be the ones that determine conditions of the settlement in accordance with the state of your financial situation. Depending on which works best to you, this could be either a lump sum settlement or an installment plan.
Furthermore they will also be working with creditors to ensure that you enjoy better rates when you make deposits to your savings account. This, in turn, will be processed to pay off creditors. The plans they offer can help you settle the debt within 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 login to CuraDebts the client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to meet their eligibility requirements first. For eligibility, you’ll have to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What can they help you?
Here are the various ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf to settle the majority of types of debt. They can help with medical bills, personal loans, credit cards and also line of credit. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They can even help negotiate on tax owed as well as 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 other hand, they will assist you in navigating laws such as 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 also dismissed.
CuraDebt also allows you to repay debt for less than the amount you have. They also allow you to ask questions during their free consultation with their debt counsellor.
The best part about their plan is that you will only have to pay for the charges after your debt has been settled. All you have to do is sign up with some of their programs, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. 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 should be able to solve the various types of tax problems like wage garnishments, tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs either. They use only flat-fee pricing and is dependent on the amount that you’ll need to settle.
There are a variety of options for paying off the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kinds of debts are they able to help with?
While debt settlement is their specialization, they don’t provide all kinds of settlement. CuraDebt only focuses on debt that is not secured. They won’t be able to help you if the credit or loan is tied to an actual item.
However, if you have the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to pay taxes that are due without difficulty. Moreover, this type of service is available to all 50 states if you owe money to the IRS. There are federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also assist in settling 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 the federal government’s student loan. Still, they can help private students in negotiating any student loans that they owe.
Personal Loan
Personal and payday loans also qualify as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt will assist you in paying it off.
How much will it cost?
The best part about CuraDebt is how they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you’ve paid each of your outstanding debts.
Additionally, they do not charge high charges either. On average, you’ll have to pay up to 20 percent of the debt you settled through them.
On average, this type of business can cost anywhere from 15% to 25 percentage.
In addition, customers can expect to pay off their debts in two to four years. However, this also varies in relation to the amount you can save up per month.
Additionally, they claim that you can save as much as 30% when you factor in their charges into your calculation.
However, the claim may differ based on your specific situation. Some customers even claimed to save 50% to up to 80%.
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Benefits of using CuraDebt
Once you’ve got an idea of what CuraDebt can provide, let’s look into the advantages that come with using CuraDebt.
In the beginning, CuraDebt only charges you after you’ve settled your debt. Furthermore, they only charge an amount of 20%, while the majority of companies charge 25%.
If you’re finished with the debt settlement program you could also sign up for their credit repair program.
It’s an excellent method to improve the credit rating without having to go back into debt. However, the program lasts different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to help with settlements and negotiations. This means your debt won’t increase over time. They’ll also be looking into any creditor violations with the assistance of their in-house experts.
The drawbacks of using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with . If you’re trying to increase your credit score, it may set you back while you’re getting rid of your debt.
CureDebt also doesn’t have a mobile app. While they do have a website that clients can access, it looks old and mundane. It’s not very intuitive and could be challenging to navigate.
Moreover, they are still not accredited with their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to settle your debt without spending more for these types of services. Moreover, their 20% service charge is less expensive than the majority of firms that charge the 25% cost. There is no upfront payment and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll allow you to access an account to see your progress, their website is not easy to navigate. CuraDebt isn’t even an app that would make it easier to monitor your performance.
They do have a great support team that you can contact them not only through emails but by phone or by sending an e-ticket. What’S More Expensive Tax Attys Or Tax Relief Services
If your credit card is a major problem right now, we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they offer are available in your area.
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FAQ What’S More Expensive Tax Attys Or Tax Relief Services
What is the time frame to complete the course?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt assist with tax problems in the state?
Sure, CuraDebt has a tax relief program to aid you in dealing with problems such as delinquent payroll tax issues and garnishments on wages.
What do I need to do once I’m in the program?
You’ll need to constantly communicate with your team members and make the necessary payments to lower the amount of debt you have over time.
