Has your debt been increasing lately? Are you tired of trying different financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve been through every thing.
In the majority of cases, your best option is to speak with experts who can assist you resolve the issue.
CuraDebt is one of the most frequently contacted companies. A lot of people are asking if they can help you or put you in more debt.
According to their clients they can assist you in managing the majority of your debts so that you can take few things off of your mind.
But for some people, these claims are just too good to be true.
You might be looking for something that will assist you in paying off your debt. In that case, CuraDebt will mostly be recommended by people. We’ll be taking a deep study of the way CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before you begin 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 the article for a more comprehensive review of CuraDebt.
About the Company Where To Report Debt Relief Tax Return
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been an active part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is the most popular feature. But they offer additional services to aid you in becoming more financially stable.
The process starts by requesting a no-cost online savings estimate. It is a completely private service and won’t be conducting a credit screening. With this savings estimate you’ll be able to discover more about alternatives to be debt-free.
The savings estimate, as we’ve mentioned before, gives you the opportunity to consider your choices regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you with credit arbitration if you decide to sign up. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program, CuraDebt can be the agency to handle all of the calls from your creditors. They will also be the ones that will determine the terms of your payment depending on the condition of your financial situation. Based on what works most effectively to you, this could be either a lump sum settlement or the option of a payment plan.
Moreover they will be working with lenders to help you have better rates as you make deposits to your savings account. This, in turn, will process to pay the creditors. Their programs can assist you to get rid of debt in just the period of 48 months.
After you’ve registered with them, they’ll give you access to your account information 24 hours a day. All you need to do is log in to CuraDebts the client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, 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 assist you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with debt. They are able to negotiate settlements on your behalf for most types of debt. This includes medical bills, personal loans credit cards and line of credit. They are also able to help settle any remaining balance of business debt collection, repossessions, or collections.
They may also assist in negotiating on tax owed as well as IRS debt. However, you will not receive assistance for the majority cases, loans from the government, collateral, and utility bills. The same goes for 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 also help you find debtors who are in violation so that you can have cash settlements, if possible. Some violations can also lead to having your debts removed as well.
CuraDebt also allows you to settle debt with less than the amount you have. Additionally, you can inquire about your debt during their no-cost consultation with their debt counsellor.
The greatest benefit of their program is that you only pay the fees after your debt has been settled. All you need to sign up to any of the plans and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they’ve gathered all your financial documents They will also gather all the necessary paperwork for tax returns.
Through this program, you will be able to resolve the various types of tax problems such as wage garnishments, tax penalties, personal and taxation for business as well as back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices and is dependent on the amount that you’ll need to settle.
They offer different options 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
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What kinds of debts can they assist you with?
Although debt settlement is their specialization, they don’t offer all kinds of settlement. CuraDebt is only focused on debt that is not secured. They can’t help you if the credit or loan is tied to an actual item.
If, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without difficulty. Furthermore, this service is available to all 50 states if you owe money towards the IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some instances you could even settle them for less than what you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students with negotiating any loans they have to pay.
Personal Loan
Personal and payday loans also qualify to be eligible for debt relief programs. It is also possible to avail the program if you have other unsecured credit lines that you got from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards as well as private label credit card CuraDebt will help you pay it off.
What is the cost?
The best part about CuraDebt’s pricing is how they’ve priced their services. They don’t charge an upfront fee. You’ll only pay once you have paid off all of your outstanding debts.
Additionally, they don’t have high-cost costs either. On average, you’ll be required to pay as much as 20% of the debt you settled with them.
In the average, this kind of industry can charge anywhere between 15% and 25%.
Additionally, customers can anticipate to settle their debts within two to four years. However, this also varies in relation to the amount you are able to save each month.
They also claim that you can save as much as 30% by incorporating their fees in your equation.
However, this statement will vary, depending on your specific situation. Some customers have even talked about saving 50% to up to 80%.
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Advantages to using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can offer you let’s look into the advantages from using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Furthermore they only charge a 20% fee while most companies charge you 25 percent.
If you’re finished in the process of debt resolution you may enroll in their credit repair program.
It’s an excellent way to restore the credit rating without having to go back into debt. The program is however designed differently for each person, depending on your situation.
In the end, 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 using their own experts.
Some disadvantages to using CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you stop making payments using the credit card you use. So if you’re trying to increase your credit score, it might set you back while you’re getting rid of your credit card debt.
CureDebt doesn’t even have a mobile app available. While they do have a website for clients, it looks aged and simple. It’s not particularly user-friendly, and can be challenging to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a great program that will allow you to pay off your debts without spending more on these kinds of services. Additionally their 20% service fee is less expensive than the majority of businesses that charge the 25% cost. There are no upfront payments, and you will only have to pay when the debt is paid off.
Although they’ll give you an account so that you can track your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app yet, which would make it easier to look at your progress.
They do have a great support team and can be reached them not just via email but also via phone or submitting an e-ticket. Where To Report Debt Relief Tax Return
If credit card is a major problem, then we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the programs they provide are in your state.
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FAQ Where To Report Debt Relief Tax Return
How long does it take to finish the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as the agreed settlement.
Can CuraDebt aid in the fight against state tax issues?
Yes, CuraDebt has a tax relief program that will assist you with issues like delinquent taxes and wage garnishments.
What should I do once I’m in the program?
You’ll be required to communicate with your team members and make the necessary payments to lower your debt over time.
