Are you experiencing debt that has been increasing lately? Are you tired of trying various financial advice and strategies but still have unsolved issues?
Maybe you’re here because been through everything.
In most cases, the best way is to approach experts who can assist you resolve the issue.
CuraDebt is among the most frequently contacted companies. A lot of customers have asked if they can help you or put you in more debt.
According to their clients they can help you manage 80percent of your debt , so you can finally take a couple of things off your plate.
For some they believe these claims are too good to be true.
If you’re looking for something that will aid you in settling your debt. In that case, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at the way CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before you begin the review, you can go to this video in case you would 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’ll want to read the rest of the article for a more comprehensive review.
About the Company Working Families Tax Relief Act Meaning
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. However, they also offer additional services to assist you in becoming financially stable.
The process starts by requesting a no-cost savings estimate on the internet. The service is completely confidential and won’t conduct a credit inquiry. By using this estimate of savings you’ll be able to learn more about the other options in your journey to be debt-free.
This estimate of savings, which was mentioned before, gives you the opportunity to consider your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you in navigating credit arbitration in the event that you decide to join. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement plan, CuraDebt will be the company to handle all of your creditors’ calls. They will be the ones who determine the terms of your settlement depending on the condition of your financial situation. Based on what works most effectively to you, this could either be a lump sum settlement or an installment plan.
Moreover, they will work with creditors to ensure that you have better rates as you deposit money to your savings account. This, in turn, will process to pay the creditors. Their programs can assist you to settle the debt within two years.
After you’ve registered with them, they’ll provide you with access to your information 24/7. All you have to do is login to CuraDebts the client portal to track your performance.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to satisfy their criteria first. To be eligible, you’ll have to meet the following requirements:
- Minimum 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they assist you?
Here are some of the ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. These include personal loans, medical bills, credit cards as well as line of credit. They are also able to help settle any remaining amount on business debts collection, repossessions, or collections.
They may also assist in negotiating for back taxes and IRS debt. But, you won’t receive support for most claims, government loans as well as collateral and utility bills. The same goes for student loans.
On the other hand, they will assist you in navigating laws such as those of 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 in order to get cash settlements, if possible. Some violations can also lead to having your debts also dismissed.
CuraDebt lets you repay debt for less than the sum you have. Additionally, you can inquire about your debt during their no-cost meeting with their debt counselor.
The greatest benefit of the program is that you will only pay the fees after your debt has been settled. All you need to do is sign up with any of the plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. After they have gathered all your financial documents and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
With this program, you should be able to resolve different types of taxes such as garnishments on wages, tax penalties, personal and taxation for business, back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees neither are there hidden fees. They only offer flat-fee prices, which depends on the amount that you’ll have to pay.
They have different solutions in the settlement of taxes. 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 kind of debt are they able to help with?
Although debt settlement is their specialty however, they do not provide all kinds in debt resolution. CuraDebt is only focused on debt that is not secured. They aren’t able to assist you if your credit or loan is tied to a physical item.
If you do have one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able pay off taxes that are due without difficulty. Furthermore, this service is offered to all 50 states in the event that you have a debt towards the IRS. There are tax experts from the federal government to assist you with these types of issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In certain cases you might even be able to pay the debt for less than you are owed.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. However, they can assist private students negotiate any loans they owe.
Personal Loan
Personal and payday loans also qualify for the debt settlement program. You can also avail of the program if you also have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card, CuraDebt will help you pay it off.
What will it cost you?
The best part about CuraDebt is how they’ve priced their service. They don’t charge an upfront fee. The only time you pay is when you’ve paid each of your debts.
They also don’t have high-cost charges either. On average, you’ll have to pay between 20 and 20% of the debt you settled through them.
In the average, this kind of industry can charge anywhere from 15% to 25%.
Additionally, customers can anticipate to settle their debt from two to four years. However, this also varies depending on the amount that you save per month.
Additionally, they claim you can save up to 30% when you factor in their charges into your calculation.
However, this statement will vary, depending on your situation. Some customers have even talked about saving 50 to 80%.
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Benefits of using CuraDebt
Once you’ve got an understanding of what CuraDebt offers, let’s explore the benefits of using CuraDebt.
First, CuraDebt will only charge you after you’ve settled your debt. Additionally they only charge an amount of 20%, while the majority of companies charge 25%.
Next, if you’re done with the debt settlement program, you may also sign up for their credit restoration program.
It’s a fantastic option to rebuild the credit rating without having to go back into debt. However, the program runs differently for each person, depending on your situation.
In the end, CureDebt looks into your financial obligations to help with settlements and negotiations. So, your debt won’t increase as time passes. They’ll also look into any creditor violations with the help of their own experts.
The drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to cease making payments with your credit card. So if you’re trying to improve your standing on credit scores, you may delay you from getting rid of your debt.
CureDebt doesn’t even have a mobile app available. Although they have a website that clients can access but it’s old and mundane. It’s not very intuitive and could be difficult to navigate.
Moreover, they are still not recognized by their Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more on these kinds of services. Additionally, their 20% service charge is cheaper than most companies that offer an additional 25% charge. There aren’t any upfront fees and you’ll only be required to pay once the debt is settled.
Although they’ll allow you to access an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app that could make it easier for you to look at your progress.
But, they do have a competent support staff that you can contact them not just via email but also by phone or sending an e-ticket. Working Families Tax Relief Act Meaning
If debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they provide are in your state.
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FAQ Working Families Tax Relief Act Meaning
How long will it take to complete the program?
The program typically takes between 24 and 48 months dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt assist with state tax problems?
It is true that CuraDebt provides tax relief programs that will assist you with issues like delinquent taxes and garnishments on wages.
What do I need to do when I’m enrolled in the program?
You’ll be required to communicate with the team and pay the required payments to reduce the amount of debt you have over time.
