Have your debts been piling up lately? Are you tired of trying other financial tips and advice but still have unsolved issues?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is among the companies that get the most inquiries. A lot of people have been inquiring whether they can help you or put you in more debt.
According to their clients they can help you manage 80% of your debt , so you can take couple of things off your shoulders.
But for some people they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will assist you in paying off your debt. In that case, CuraDebt will mostly be suggested by people. We’ll take a deeper study of the way CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its benefits and drawbacks.
Before starting the review, you can go to this video if you prefer watching 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 review. After, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company When Am I Get My Tax Relief Check
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through 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 one of CuraDebt’s best popular feature. But they offer other services that can assist you in becoming financially stable.
First of all, it begins by requesting a free savings estimate online. This service is very confidential and they will not be conducting a credit screening. With this savings estimate you’ll be able to be able to learn more about the other options in your journey to debt-free.
The savings estimate, as mentioned before, gives you an insight into your options regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you in navigating credit arbitration if you decide to sign up. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement program, CuraDebt can be the one to answer all of your creditor’s calls. They’ll also be the ones who will determine conditions of the settlement depending on the condition of your financial situation. Depending on which works most effectively your situation, the payment can be a lump-sum settlement or a payment plan.
Furthermore, they will work with creditors so that you can have better rates as you transfer money into your savings account. This, in turn, will process to pay creditors. The plans they offer can help you pay off the debt in the period of 48 months.
After you’ve signed up with them, they will provide you with access to your information 24/7. All you have to do is sign in to CuraDebts the client portal to track your performance.
Before you are able to avail the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are some of the ways CuraDebt can help you.
The name of the company suggests that CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. They can help with medical bills, personal loans, credit cards and also line of credit. They can also be approached to settle any outstanding balance of business debt, collections, or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. But, you won’t receive assistance with the majority of your lawsuits, government loans, collateral, and utility bills. The same goes for 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 will also help you identify debtors who are in violation to ensure that you receive cash settlements, if they are possible. Certain violations may lead to having your debts also dismissed.
CuraDebt can also help you settle debt with less than the sum you have. You can also inquire about your debt during their no-cost meeting with their debt advisor.
The best part about the program is that you’ll only be charged after your debt has been settled. All you have to sign up for any of the plans, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. After they have gathered all your financial documents, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to deal with various tax issues like garnishments on wages, tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees either. They use only flat-fee pricing and is dependent on the amount you’ll must settle.
There are a variety of options in the settlement of the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What kinds of debts can they assist you with?
While debt settlement is their specialization however, they do not provide all kinds in debt resolution. CuraDebt only focuses on loans that are not secured. They can’t assist you if your debt or loan is tied to an item that is physical.
If, however, you are in one of the following kinds of debt, they will negotiate settlements on your behalf.
With CuraDebt it is expected that you will be able to pay tax debts that were due to be paid without any issues. Furthermore, this service is accessible to all 50 states if you owe money in arrears to IRS. There are federal tax experts who can assist you in resolving these kinds of problems.
CuraDebt can also assist in settling the medical bills. In certain cases, you may even pay the debt for less than you are owed.
Private Student Loan
CuraDebt does not offer Federal student loan. Still, they can help private students in negotiating any loans they are owed.
Personal loans and payday loans are also eligible to be eligible for debt relief programs. You can also avail if you have other unsecured credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, as well as private label credit card CuraDebt can help you pay it off.
What is the cost?
The greatest thing about CuraDebt’s pricing is how the company has priced its services. They don’t charge an upfront fee. The only time you pay is when you settle each of your outstanding debts.
Also, they do not charge high charges either. On average, you’ll be required to pay between 20 and 20 percent of the debt you settled with them.
In general, this type of industry charges from 15% to 25 percent.
Additionally, customers can anticipate to pay off their debts in 2 to 4 years. However, this also varies in relation to the amount you save per month.
Additionally, they claim you can save up to 30% when you factor in their charges into your calculation.
But this claim will also depend on the situation. Some clients even mentioned saving 50% to 80percent.
Benefits of using CuraDebt
Now that you have an idea of what CuraDebt offers, let’s look into the advantages from using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. In addition they only charge a 20% fee while many companies charge 25%.
Then, if you’re done with the debt settlement program, you can also sign up for their credit restoration program.
It’s a great way to restore your credit without having to go in debt again. However, the program runs differently for each person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can assist in settlements and negotiations. This means your debt won’t increase as time passes. They’ll also look into any violations by creditors with the help of their own experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief often require you to stop making payments using . If you’re trying to improve your rating on your credit, this might delay you from finishing your obligations.
CureDebt does not offer a mobile application. While they do have a client website however, it appears outdated and basic. It’s not particularly intuitive, and it can be challenging to navigate.
Furthermore, they are not recognized by their Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to resolve your debt without having to spend more on these kinds of services. In addition, their 20% service charge is less expensive than the majority of companies that offer a 25% fee. There is no upfront payment, and you will only have to pay when your debt is finally settled.
While they’ll provide you with an account to see your progress, their website is not easy to navigate. CuraDebt also doesn’t have an app yet, which will make it easier to look at your performance.
They do have a good support team and can be reached them, not only via emails but also by phone or sending an e-ticket. When Am I Get My Tax Relief Check
If your credit card is a major problem, then we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services they provide are in your state.
FAQ When Am I Get My Tax Relief Check
How long will it take to finish the program?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as the agreed settlement.
Can CuraDebt help in the fight against state tax issues?
Sure, CuraDebt offers a program for tax relief that can aid you in dealing with problems like delinquent tax and garnishments of wages.
What do I need to do once I’m in the program?
You’ll need to constantly communicate with the team and pay the required payments to lower your debt over time.