Are you experiencing debt that has been increasing lately? Are you tired of trying other financial advice and tips but still have unsolved issues?
Maybe you’re here because you’ve already tried every thing.
In the majority of cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is among the most frequently contacted companies. Many customers have asked if they can assist you or put you in more debt.
According to their clients they can help you manage 80% of your debt , so you are able to take couple of worries off your mind.
For some, these claims are just too good to be true.
You might be looking for something that will assist you in paying off your debt. If that’s the scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth review of how CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, go to this video for a more relaxing way for it to be watched.
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’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Zero Tax Owed Tax Debt Relief Program
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000, and is an active part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What can CuraDebt do?
Assistance in settling your debt is the most well-known feature. However, they also offer other services that can help you be more financially stable.
The process starts by requesting a no-cost savings estimate online. This service is very confidential, and they won’t conduct a credit inquiry. By using this estimate of savings, you will be able to learn more about the other options in your journey towards debt-free.
This estimate of savings, as mentioned earlier, provides you with an idea of your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you in navigating credit arbitration in the event that you decide to join. Some financial advisors can help you in your debt-free journey.
Following the debt settlement program is completed, CuraDebt will be the company to answer all of your creditor’s calls. They will also be the ones that negotiate the terms of your payment based on the status of your finances. In determining which option is the most effectively for you, it can be either a lump sum settlement or a payment plan.
Furthermore they will be working with creditors to ensure that you have better rates as you make deposits to your savings account. This, is then processed to pay the creditors. Their programs can assist you to get rid of debt in just the period of 48 months.
Once you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you have to do is log in to CuraDebts’ client portal to monitor your progress.
Before you are able to avail the program, you’ll have to satisfy their criteria first. For eligibility, you’ll need to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are the different ways CuraDebt can assist you.
As their name suggests, CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for most types of debt. These include medical bills, personal loans, credit cards and also line of credit. They can also be approached to help settle any remaining balance of business debt, collections, or repossessions.
They can even help negotiate with back taxes and IRS debt. But, you won’t receive assistance for the majority of your lawsuits, loans from the government, collateral, and utility bills. They also don’t cover most student loans.
On the contrary, they’ll 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 the violations of creditors to ensure that you receive cash settlements, if they are possible. Certain violations could result in having your debts dismissed as well.
CuraDebt also allows you to repay debt for less than the amount you own. They also allow you to inquire about your debt during their no-cost consultation with their debt counselor.
The greatest benefit of their program is that you only be charged when your debt is paid off. 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 your tax debt. After they have gathered all your financial documentation They will also gather all the paperwork you’ll need to file tax returns.
By using this program, you should be able to resolve various tax issues like garnishments on wages, tax penalties, personal and business taxes as well as back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs either. They only offer flat-fee prices that is based on the amount you’ll have to pay.
They have different solutions 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 help you with?
Although debt settlement is their specialization, they don’t provide all kinds of debt settlement. CuraDebt only focuses on loans that are not secured. They aren’t able to help you if the debt or loan is tied to an item that is physical.
However, if you have one of the following kinds of debt, they’ll arrange settlements for you.
With CuraDebt the service, you’ll be able to settle your past-due tax debts without difficulty. Additionally, this service is accessible to all 50 states if you owe money in arrears to IRS. There are tax experts from the federal government to assist you with the issues.
CuraDebt can also assist in settling your medical debt. In certain cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt does not cater to Federal student loan. They can however assist private students in negotiating any loans they owe.
Personal and payday loans are also eligible as debt-settling programs. You can also avail if you have other unsecured credit lines that you got from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card, CuraDebt can assist you in paying it off.
How much will it cost?
The greatest thing about CuraDebt is the way 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 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 with them.
In general, this type of business can cost anywhere between 15% and 25 percent.
Moreover, clients can expect to pay off their debts in 2 to 4 years. But, it also differs according to the amount you save per month.
Also, they claim you can save up to 30% if you include their costs into your calculations.
However, this statement will vary, depending on your specific situation. Some clients even mentioned saving 50 to up to 80%.
The benefits of using CuraDebt
Once you’ve got an idea of what CuraDebt offers, let’s look into the advantages of using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. Additionally they only charge an amount of 20%, while many companies charge 25 percent.
Then, if you’re done in the process of debt resolution you may enroll in their credit restoration program.
It’s an excellent method to improve the credit rating without going back into debt. The program is however designed in a different way for each individual, depending on your situation.
In the end, CureDebt looks into your financial obligations to help with settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also investigate any violations of creditor using their experts in-house.
The drawbacks of using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with the credit card you use. Therefore, if you’re trying build a better standing on credit scores, you might set you back while you’re working on your debt.
CureDebt also doesn’t have a mobile app available. Although they have a client website but it’s old and mundane. It’s not particularly intuitive and could be difficult to navigate.
Furthermore, they are not accredited with their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that lets you settle your debt without spending more on those types of services. In addition their 20% service charge is lower than many companies that offer a 25% fee. There aren’t any upfront fees and you’ll only be required to pay once the debt is paid off.
Although they’ll give you an account to see your progress but their website isn’t user-friendly. CuraDebt also doesn’t have an app, which could make it easier for you to look at your progress. Zero Tax Owed Tax Debt Relief Program
But, they do have a great support team and can be reached them, not only via emails but by phone or by submitting an e-ticket. Zero Tax Owed Tax Debt Relief Program
If the debt is a big issue right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they offer are available in your state.
FAQ Zero Tax Owed Tax Debt Relief Program
How long does it take to complete the course?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as the stipulated settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt offers a program for tax relief that can assist you with issues like delinquent taxes and wage garnishments.
What’s the first thing I have to do once I’m in the program?
You’ll need to constantly communicate with the team and pay the required payments to pay down the amount of debt you have over time.