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CuraDebt Review

If you’re seeking debt relief, you should choose a company that is aggressive when negotiating with creditors, transparent about its fees, and experienced in providing good customer service. CuraDebt checks all the boxes.

CuarDebt Review
Diverse service offering
Accredited member of AFCC and IAPDA
Free tax relief consultation
Available in 35 states
Low minimum debt requirement
Must have at least $5,000 worth of eligible debt
Trustworthiness and stability
Must be several months behind on payments
Lindsay Frankel
Written by:Lindsay Frankel
Personal Finance Expert

Reviewed by: Jen Hubley Luckwaldt, Content Writer and Editor

Fact Checked by: Thomas Brock, Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Keep in mind that debt relief can be risky and damage your credit. You should learn about your options for nonprofit credit counseling as well. But if you’re facing bankruptcy, debt settlement can be an alternative. CuraDebt has more than 22 years of experience negotiating with creditors and receives excellent customer service reviews. Their experts may be able to help you reduce or even eliminate some debts. Find out more about how the debt relief process works in our CuraDebt review. 

Editor’s Note (Warning)

There’s no guarantee that a debt relief company like CuraDebt will be able to reduce the amount you owe, and these companies charge high fees for their services. Some creditors won’t negotiate with debt relief companies at all, while others have predetermined payment plan options that would be available to you if you called on your own. What’s more, debt relief companies generally negotiate with creditors by allowing you to go into default first, which can destroy your credit. But if you want to pursue the most aggressive option despite the risks, CuraDebt is a legitimate debt relief company that doesn’t charge upfront fees for its services. 

Summarized Rating

Services and Solutions4.7
Costs and Fees4.3
Customer Experience3
Trustworthiness and Stability5
User Reviews4.2

This parameter considers service offering breadth, geographic reach, and minimum debt level requirements. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall services and solutions score.

CuraDebt has a best-in-class 4.7 for Services and Solutions. This reflects its diverse service offering, extensive geographic footprint, and very lenient minimum debt requirement.

What Is CuraDebt?

CuraDebt is a debt settlement company that offers services in 35 U.S. states. CuraDebt negotiates unsecured debt such as credit cards, medical bills, and back taxes. The average debt relief amount is 30% after fees are taken into account. Like all debt settlement companies, CuraDebt’s services may affect your credit rating. However, debt settlement is a viable alternative to bankruptcy–and one that may save you money. 

CuraDebt Pros and Cons

CuraDebt Pros
Excellent reviews with the BBB and other third-party sites
No upfront fees or monthly maintenance costs
Free consultation with no obligation
Access to a network of local attorneys
Free credit restoration upon completion
Available to customers with as little as $5,000 in debt
Member in good standing of the AFCC
CuraDebt Cons
Charges about 20% of the total enrolled debt
Not available in select states
Causes damage to your credit score

Types of Debt Covered by CuraDebt

CuraDebt doesn’t work with federal student loans, government loans, or some credit union accounts. Asset-backed loans are also not eligible for relief. But the company can help with both tax debt and unsecured debt, such as the following:

  • Credit card debt
  • Personal loans
  • Payday loans
  • Private student loans
  • Medical bills
  • Utility bills

CuraDebt Service Features

CuraDebt starts with a free consultation to ensure you are eligible. You can then enroll in the company’s debt settlement program, which includes debt negotiation with your creditors. CuraDebt also offers a debt relief program for tax debt. You can qualify with as little as $5,000 in unsecured debt or tax debt. The company doesn’t operate in all states, so residents of CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, and WV won’t be eligible. 

CuraDebt claims that customers who stay with the program can realize a 50% reduction in their debt before fees or a 30% reduction after fees, but it depends on the individual. The process typically takes between 24 and 48 months. 

Breadth of Services Offering

Debt settlement and tax relief

Extent of Geographic Presence

Available in 35 states

Minimum Debt Required


Average Time for Relief

24-48 months

Average Relief Amount

30% after fees

CuraDebt Costs and Fees

CuraDebt doesn’t charge any upfront fees, and you should beware of companies that do since the practice is illegal. As each settlement is reached, you’ll pay a fee when you accept it. The total performance fees are typically around 20% of the total enrolled debt amount. While some debt relief companies offer a money-back guarantee if they are unable to settle any of your debts, CuraDebt doesn’t disclose a formal policy. The company also doesn’t disclose its cancellation policy online, but debt settlement companies are legally required to inform you that you can withdraw from the program at any time without penalty. 

Upfront Fees


Settlement/Performance Fees

20% of enrolled debt amount

Other Fees


Cancellation Policy

Withdraw at any time

Money Back Guarantee Policy

Not Disclosed

CuraDebt Application Process

The CuraDebt application process involves three steps:

  1. Attend a free counseling session: Meet with a credit counselor virtually or in person in the Hollywood, Florida area. Discuss your debt situation and learn whether you qualify for CuraDebt’s program. Your counselor will explain the fee structure and risks of participating. The initial consultation is free and confidential. 
  2. Sign the agreement with CuraDebt: If you qualify and decide to accept the terms of the program, you’ll sign an agreement stating the terms and timeline. 
  3. Open a special-purpose account: CuraDebt will fund the account with your monthly payments or lump sum to begin paying off negotiated debts. 

Once you have started the program, CuraDebt will reduce your debts in two ways:

  • Find collection or credit reporting law violations: Creditors may reduce or dismiss debts based on these violations. They may even issue cash awards in some cases.
  • Negotiate debt resolutions: CuraDebt’s negotiation team finalizes offers with creditors, settling your debts. 

CuraDebt Customer Experience

  • Website Extensiveness and Usability: CuraDebt discloses its fees online and maintains a professional website with useful information for customers, but certain details and disclosures are left out, such as the company’s cancellation policy. 
  • Call Center Support: CuraDebt offers extended customer service hours on weekdays between 9 am and 8 pm EST and Saturdays between 10 am and 2 pm EST. If you live in the Hollywood, Florida area, you can even schedule an in-person consultation. 
  • Multi-Channel Support: You can email at any time, but the company doesn’t have a social media presence, a mobile app, or live chat support, so options are relatively limited. 
  • Supplemental Support: There’s a client dashboard you can use to view your account details, and an FAQ section answers the most pressing questions, but there are relatively few educational articles, calculators, and other tools available to help potential customers understand the outcomes of debt relief. 
  • Mobile Technology: CuraDebt doesn’t offer a mobile app, but the website is optimized for mobile devices. 

CuraDebt Trustworthiness and Stability

CuraDebt was established in the year 2000 and is headquartered in Hollywood, Florida. The company is a member in good standing of the American Fair Credit Council (AFCC) and an Accredited Service Center by the International Association of Professional Debt Arbitrators (IAPDA). Additionally, the company has an A+ rating from the Better Business Bureau and is a member in good standing with the U.S. Chamber of Commerce. CuraDebt is also a member of HONESTe Online, the Online Business Bureau, and the Netcheck Commerce Bureau.

The CuraDebt tax team has over 60 years of combined experience, while debt relief counselors come from diverse backgrounds, including some CPAs. The company reaches thousands of settlements each year and provides several examples online. CuraDebt has helped more than 300,000 people find relief from debt. 

Years in Business


Customers Serviced 


Certifications and Memberships

  • AFCC


  • BBB

  • U.S. Chamber of Commerce

  • Online Business Bureau

  • Netcheck Commerce Bureau

  • HONESTe Online

CuraDebt Consumer Reviews

CuraDebt has excellent reviews from customers, with a 5 out of 5-star rating from the Better Business Bureau and ConsumerLobby, a 4.9 out of 5-star rating from ShopperApproved, and a handful of mostly positive reviews on Trustpilot and ConsumerAffairs. People say that the debt counselors are friendly, professional, and responsive to work with. Many customers also note that their debt was resolved and that the savings covers the fees. Even reviewers who didn’t have success with other companies saw savings with CuraDebt. We couldn’t find any CuraDebt negative reviews. 

CuraDebt Compared to Other Companies

When comparing CuraDebt vs National Debt Relief, Accredited Debt Relief, and Freedom Debt Relief, there are a couple of differences worth noting. CuraDebt has the lowest minimum debt requirement, which makes it ideal for borrowers who don’t have enough debt to qualify for other programs. 

However, the other three companies have explicit money-back guarantee policies. For example, with Freedom Debt Relief, if the total cost to settle your debt with the company’s fee is more than what you owe, you’ll be eligible for a refund up to the total cost of the fee. With all debt relief companies, however, you have the legal right to withdraw your money without penalty at any point during the process. 


Accredited Debt Relief

Freedom Debt Relief

National Debt Relief

Minimum debt required






20% of enrolled debt

15% to 25% of enrolled debt

15% to 25% of enrolled debt

15% to 25% of enrolled debt

Money Back Guarantee Policy

Not Disclosed




Average Relief Amount (Before Fees)

Up to 50% 

Up to 50%



Final Thoughts

Consumer protection agencies generally recommend staying away from debt settlement companies and pursuing credit counseling instead. But ultimately, the choice is yours. You may feel the risks and damage to your credit are worth the additional savings. If that’s the case, CuraDebt is one of the reputable companies you can choose from. The company offers a low minimum enrollment amount, has decades of experience in the industry, and employs expert debt counselors with a variety of financial backgrounds. And the company has a dedicated tax team for customers dealing with those specific concerns. What’s more, customers rave about the service they receive from CuraDebt. 

Frequently Asked Questions(FAQ)

Is CuraDebt a Good Company?
CuraDebt is a reputable company that charges transparent fees as your debts are settled, rather than illegal upfront fees or monthly program fees. The excellent customer service reviews on third-party websites indicate that most customers have a positive experience working with the company. Furthermore, CuraDebt is a member in good standing of the AFCC and the U.S. Chamber of Commerce. The company is also accredited with the IAPDA and the BBB. 
How Does CuraDebt Work?
CuraDebt starts with a free consultation. Once you enroll in the debt settlement program, CuraDebt will ask you to make monthly deposits or contribute a lump sum to a special purpose account. You’ll stop making payments to your creditors, which may result in credit damage and even lawsuits. While you’re saving, CuraDebt will look for creditor and collector violations they can leverage to get you a reduced balance or cash award. The company will then negotiate with your creditors on your behalf in an attempt to settle your debt for 50% of what you owe. After each creditor accepts the offer and you accept the settlement, you’ll pay the associated commission. The program typically takes 24 to 48 months to complete. 
Lindsay Frankel

Written by: Lindsay Frankel

Personal Finance Expert

Personal finance expert with 3 years experience specializing in researching, writing, and editing insurance, loans, and credit cards content

More about me
Jen Hubley Luckwaldt

Reviewed by: Jen Hubley Luckwaldt

Content Writer and Editor

Jen Hubley Luckwaldt is an editor, writer, and content strategist with a focus on personal finance, careers, and DEI. A small business owner for over a decade, Jen helps publications and brands create and optimize B2B and B2C content.

More about me
Thomas Brock

Fact checked by: Thomas Brock

Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. He currently oversees the investment operation for a $4 billion super-regional insurance carrier, maintaining a dynamic investment policy designed to preserve capital, enhance...

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