CuraDebt Reviews

CuraDebt helps customers find relief from unsecured debt and tax debt. It provides legal debt relief options that are often faster and more economical than other strategies. The company advertises nationwide debt relief; however, there are 16 states where CuraDebt does not offer debt relief services. CuraDebt has been working with individuals and small businesses since it was founded in 2000.

CuraDebt unsecured debt relief starts with a free, no-obligation consultation. If you’re located near Hollywood, Florida, this consultation can be in person. For others, it’s done by phone. Your free consultation tells how quickly you can resolve your debt, how much money you can save overall, what your monthly payment would be as you work toward settlement and more. If you’re needing tax debt relief, the process also starts with a free consultation.

If you qualify for CuraDebt’s debt settlement program, a counselor explains the timeline, fee structure, benefits, risks and other details. Once you sign the agreement, you begin depositing funds into a special-purpose account. CuraDebt first looks for violations by creditors and collectors. It then negotiates resolutions with creditors one by one. You can only pay fees as accounts are settled. Once you complete the program, you get free credit restoration services.

CuraDebt has several programs to help you handle your debt, depending on your circumstances. Services that CuraDebt offers include:

Debt settlement

CuraDebt offers an in-house debt settlement program in which you make monthly deposits into a special account (or make a lump-sum deposit), and the company negotiates to settle accounts with creditors for lower amounts than you owe. It also looks for violations by creditors and collection agencies, which can result in cash awards and debt dismissals.

You only pay for debt settlement if CuraDebt negotiates a settlement and you approve it. There are no monthly fees. Debt settlement can potentially help with credit card debt, personal loan debt, medical bill debt, business loan debt and certain secured debts.

Tax debt relief

If you’re having state or IRS tax issues, CuraDebt can help. It helps with all sizes of tax debts, using a three-phase approach. First, tax professionals at CuraDebt do a financial investigation and analysis and list pros and cons of possible strategies. Second, the company ensures compliance with state and IRS rules and regulations. Finally, CuraDebt implements the most advantageous strategy. Possible solutions include:

• Offer in compromise
• Installment agreement
• Penalty abatement
• Currently not collectible status
• Collection statute expiration date
• Tax lien subordination
• Custom solutions

CuraDebt says its debt relief program has average fees of 20% of the total debt amount enrolled. Tax debt relief has a flat fee, but CuraDebt doesn’t give more specific information.

The best way to find out how much debt relief costs with CuraDebt is to set up a free consultation with a counselor. Fill out a form, call or email CuraDebt to get started.

If you have a large amount of unsecured debt or tax debt and have already sought out other options, like debt counseling, CuraDebt may be able to help. Your first step should be to schedule a free consultation; ask questions about whether you qualify, how much CuraDebt charges and the consequences for your credit score. Carefully consider the pros and cons before you sign an agreement.