Are you experiencing debt that has increased lately? Are you burnt out from trying different financial tips and advice but still have unsolved issues?
Maybe you’re here because tried every thing.
In the majority of cases, the best option is to speak with experts who can help you resolve the issue.
CuraDebt is among the companies that get the most inquiries. A lot of customers have asked if they are able to help or put you into more debt.
According to their clients, they can help you control the majority of your debt , so you are able to take couple of worries off your mind.
However, for certain people the claims seem too good to be true.
You might be looking for anything that can assist you in paying off your debt. In this case, CuraDebt will mostly be suggested by people. We’ll be taking a deep study of how CuraDebt works and what problems it could help solve.
Furthermore, before we conclude, we’ll also look into its advantages and drawbacks.
Before starting the review, you can check out this video instead if you prefer for it to be watched.
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 will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Who Qualifies For Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been 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 it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best popular feature. However, they also offer other services that will help you be more financially stable.
The process starts by requesting a no-cost savings estimate online. This service is very confidential and won’t conduct a credit inquiry. With this savings estimate you’ll be able to discover more about options to debt-free.
The savings estimate, as mentioned earlier, provides you with the opportunity to consider your choices regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to help you with 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 is completed, CuraDebt is the agency to handle all of your creditors’ calls. They will be the ones who will determine conditions of the settlement depending on the condition of your finances. Based on what works best for you, it could either be a lump sum settlement or a payment plan.
Furthermore they will work with lenders to help you get better rates when you make deposits to your savings account. This is then processed to pay the creditors. Their programs can assist you to settle the debt within the period of 48 months.
After you’ve registered with them, they’ll give you access to your data 24/7. All you have to do is log in to CuraDebts’ client portal to monitor your performance.
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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:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they assist you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can help you deal your debt. They are able to negotiate settlements on behalf of you for most types of debt. They can help with medical bills, personal loans, credit cards and line of credit. They can also be approached to help settle any remaining balance of business debt and collections or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you won’t get support for most claims, government loans as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they can assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations to ensure that you receive cash settlements, if possible. Certain violations could result in having your debts dismissed as well.
CuraDebt lets you repay debt for less than the sum you have. You can also have questions answered during a free consultation with their debt counselor.
The best part about their program is that you’ll only pay the fees once your debt is settled. All you have to sign up to one of their plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they’ve gathered all your financial records, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to resolve various tax issues such as wage garnishments, tax penalties, personal and taxation for business, back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs either. They use only flat-fee pricing, which depends on the amount that you’ll must settle.
They have different solutions in settling your tax debt. 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 kinds of debts can they help you with?
While debt settlement is their forte, they don’t provide all kinds in debt resolution. CuraDebt concentrates on loans that are not secured. They won’t be able to help you if the loan or debt is linked 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 the service, you’ll be able to pay taxes that are due without difficulty. Furthermore, this service is accessible to all 50 states if you have a debt to the IRS. There are federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some cases you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. They can however assist private students negotiate any loans they have to pay.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. You may also be eligible the program if you have other unsecure credit lines that you got from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards and private-label credit cards, CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is how they’ve priced their services. They do not charge an upfront cost. You’ll only pay once you have paid off all of your debts.
They also don’t have high-cost fees as well. In the average, you’ll need to pay up to 20% of the debt you settled through them.
In the average, this kind of industry can charge anywhere between 15% and 25 percentage.
In addition, customers can expect to pay off their debts in between 2 and 4 years. This varies according to the amount you can save up per month.
They also claim that you could save up to 30% when you factor in their charges into your calculation.
However, the claim may differ based on your specific situation. Some customers have even talked about saving 50 to 80percent.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt offers, let’s explore the benefits of using CuraDebt.
The first is that CuraDebt will only charge you when you’ve paid off your debt. Additionally they only charge 20% of the cost, whereas many companies charge 25 percent.
Then, if you’re done in the process of debt resolution you may also sign up for their credit restoration program.
It’s an excellent method to improve your credit score without going into debt again. The program is however designed different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also investigate any violations by creditors with the help of their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements usually require that you cease making payments with the credit card you use. So if you’re trying to increase your standing on credit scores, you could cause you to delay working on your credit card debt.
CureDebt also doesn’t have a mobile app available. While they have a client website but it’s old and mundane. It’s not particularly intuitive, and it can be difficult to navigate.
In addition, they’re not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a good program that allows you to settle your debt without spending more on those types of services. Moreover the 20% service cost is less expensive than the majority of businesses that charge the 25% cost. There aren’t any upfront fees, and you will only have to pay the fee when the debt is paid off.
While they’ll provide you with an account so that you can track your progress, their website is not simple to navigate. CuraDebt also doesn’t have an app that would make it easier to look at your progress. Who Qualifies For Tax Relief
They do have a good support team, and you can reach them not just via email but also via phone or making an e-ticket. Who Qualifies For Tax Relief
If credit card is a major problem right now, we highly recommend CuraDebt’s program. Be sure to be eligible and that the programs they provide are in your state.
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FAQ Who Qualifies For Tax Relief
What is the time frame to finish the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs that can assist you with issues such as delinquent payroll tax and garnishments of wages.
What should I do after joining the program?
You’ll be required to communicate with the team and pay the required payments to pay down your debt over time.
