CuraDebt Reviews 2023

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CuraDebt was founded in 2000 in Irvine, California, and has over 20 years of expertise in offering debt relief solutions. 

Their counselors come from various fields, including financial planners and CPAs, as well as business owners and others.

While their specialization is negotiating with creditors to reduce debt amounts, CuraDebt also offers debt loans. 

CuraDebt has financial partners that provide debt consolidation loans. However, the requirements are more strict than competitors.

With CuraDebt’s help, you can get a settlement with your creditors that’s less than what you owe. 

After the settlement is reached, you will pay CuraDebt a fee (an average of 20%) and your creditor the agreed-upon sum.

In this article, we’ll give you CuraDebt Review as it ranks as one of the best debt relief firms and how the company strives to help its clients escape the financial rabbit hole.


GuideCuraDebt Reviews
Minimum Debt Settlement Requirement$5,000
Fees20% of the total enrolled debt
FeaturesAllocates case manager, Free consultation,
Number of reviews107
Community RatingVery Strong
WebsiteClick Here

Key Takeaways

  • CuraDebt offers services like counseling and consolidation loans.
  • CuraDebt claims to reduce your debt by up to 50%.
  • You only need to have a minimum debt of $5,000 if you wish to be eligible for their program.
  • They charge a fee of 20% of your total debt amount.

Read Difference Between Debt Settlement And Debt Consolidation

Pros & Cons


  • No upfront fees required
  • Free consultation
  • Minimum debt requirement of just $5000
  • Excellent customer reviews
  • It helps reduce debt by up to 50% excluding fees


  • Not available in some states
  • No live chat option
  • No dedicated client dashboard

Our Take

CuraDebt Review is one of the best debt relief firms we’ve seen. They have over 20 years of experience, which is evident in their ability to negotiate settlements with creditors.

The company also offers a wide range of services, including counseling and consolidation loans, which can be helpful in getting out of debt.

Since CuraDebt is a for-profit company, fees are associated with its services.

However, we believe that their fees are reasonable and in line with other companies in the industry.

CuraDebt’s primary focus is on helping you settle your debts with creditors. To do this, they will review your finances and come up with a plan.

Key Features

CuraDebt is a one-stop-shop for anyone looking for debt relief, whether it’s ordinary unsecured debt or tax-related debt.

With CuraDebt’s help, you can have an expert negotiate with your creditors on your behalf to get your debt reduced or eliminated altogether so that you can pay it off.

This method isn’t for everyone, which is why CuraDebt offers a free consultation so they can assess your position and decide whether they’re a suitable match for the job.

Once it has been decided that working with CuraDebt would really benefit you, you will be allocated a case manager or team that will work directly with you during the process.

If you are dealing with tax debt, your representative will communicate directly with the IRS and see what can be done about the amount you owe, and they will look into several options that may help decrease or even erase your back taxes.

CuraDebt’s primary goal is to help customers settle their debt for a lower amount than they owe. 

Although CuraDebt does not provide other debt-relief solutions, it may be able to direct you to a local tax specialist or a debt attorney for extra assistance. 

A free consultation with one of CuraDebt’s debt counselors is the best way to determine whether or not they can help you.

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Company Overview

What Is CuraDebt?

What Is CuraDebt?
What Is CuraDebt?

Since its inception in 2000, CuraDebt has provided a variety of debt management, alleviation, and consolidation services to individuals and businesses alike. 

The firm is a member of the American Fair Credit Council (AFCC), the industry’s most prestigious professional organization. 

Additionally, it is an IAPD-accredited service center, an organization dedicated to assisting debt relief companies in ensuring that its employees are knowledgeable about debt relief regulations.

CuraDebt’s in-house staff consists of certified counselors such as CPAs, company owners, and others with diverse skills and experience. 

It has assisted over 200,000 individuals with their debt since its founding in 2000.


CuraDebt does not charge any upfront costs, and you just pay when you get results. This firm is also open about its price structure. 

They charge 20% on average for total debt, which is close to the industry average of 15% to 25%.

Given CuraDebt’s historical success in reducing debts by 50%, the 20% charge would be a relatively modest fraction of what you owe, making it a reasonable and practical choice for those in debt.

Also Read How Does Debt Relief Work?

Debt Relief Time

Clients who complete CuraDebt’s program often get their debts cleared in 24 to 48 months which is less than a lot of similar companies.


You may save up to 50%, excluding CuraDebt’s expenses and fees if you enroll yourself in their debt relief program.

Types Of Debts Addressed

Types of Debts Addressed
Types of Debts Addressed by CuraDebt

While CuraDebt specializes in helping clients negotiate and settle most forms of unsecured debt, they offer assistance with a wider selection of debts than their competitors. 

CuraDebt may be able to assist you if you have any of the following types of debt:

Credit Card Debt

If you owe money on credit cards and are unable to repay them, CuraDebt may be able to assist you. 

This debt settlement applies to standard credit card issuers such as Mastercard and Visa, private credit card issuers, and even store credit.

Medical Debt

Medical costs may quickly mount up if you don’t have health insurance, but they can be paid. 

CuraDebt examines your medical bills and consolidates them with other unsecured debts

The company may then assist you in repaying the debts for a lower amount than was initially owed.

Personal And Payday Loans

CuraDebt’s services are also available to those who have payday loans from banks or personal loans from third-party lenders and have difficulty repaying their debts.

Private Student Loans

CuraDebt also offers student loan debt settlement. Sadly, the firm does not settle debts concerning federal loans.

It does, however, take on cases involving private-sector debt. CuraDebt will assist you in negotiating favorable terms for private student loans.

Get Started With CuraDebt Review

The CuraDebt procedure is straightforward. To begin,

  • Fill out a brief online CuraDebt form to see if you are eligible for their services. 
  • You must specify the amount of your debt and the state where you reside. If you qualify, you can speak with a CuraDebt counselor for a free consultation. 
  • After learning more about your specific requirements, the counselor will recommend the best program.
  • If you are a suitable candidate for debt settlement and decide to proceed, you will deposit a specified amount of money into a designated account each month. 
  • CuraDebt will check for breaches by your creditors and collectors as the account grows.
  • The in-house staff will then negotiate your debt with each creditor one at a time. You will be informed once a settlement is made. 
  • The account will be resolved in full upon your consent, and you will pay CuraDebt an estimated 20% of the settlement. 
  • CuraDebt will keep negotiating your debts until they are all settled.

Also Read: How Does Debt Relief Work, What They Do?

Disadvantages Of Debt Relief

Let’s have a look at the various disadvantages of debt relief or debt settlement:

  • The biggest drawback of debt settlement is that it ruins your credit score, so if you are someone who does not want that, it’s better to refrain from going to debt relief companies.
  • If you are getting debt relief, it is probably because you cannot pay it. But debt relief defies its main objective, meaning you will need to pay tax if you get a debt settled, which is more than $600.
  • Another thing is that once your debt is settled, you are still required to pay heavy interest for the service rendered. And this interest rate goes as high as 25-30%.

CuraDebt Reputation

There are definitely a lot of reputable debt relief companies, but more often than not, these get overshadowed by the impeccable marketing tactics of fake ones. And as such, it is very easy to get into the trap of the wrong ones.

So to safeguard yourself, always check these services by following the Federal Trade Commission (FTC) guidelines.

As far as CuraDebt is concerned, do not worry, as it is a member of the American Fair Credit Council (AFCC) and has great customer reviews online.

What Differentiates CuraDebt From Others?

Here are the facts that differentiate CuraDebt from others:

  • The minimum debt amount has to be $5,000 for settling
  • An AFCC and IAPDA accredited company
  • You can settle unsecured debts through this company
  • No debt relief program enrollment fee

Our Experience With CuraDebt 

I liked the feature of this company was that I didn’t have to pay a single penny for getting enrolled in a debt relief program.

The consultation was free, which really helped me out. I got a chance to negotiate tax debts.

This debt settlement company worked for me, and if you are going through any situation that includes debt settlement, you need to approach them like me.

NPC CuraDebt Ratings

Customer Service4.1/5
Debt Settlement help4.7/5
Ease of use4.8/5

Customer Service

CuraDebt handles complaints via phone (877-850-3328), fax, email, and live chat. 

The phone lines are open from 9 a.m. to 8 p.m. EST Monday through Friday and from 10 a.m. to 3 p.m. on Saturdays.

If you’re new to CuraDebt and want assistance outside of regular business hours, or prefer email, feel free to contact them at [email protected] 

You can also use their easy online form to arrange a free debt reduction consultation and check whether you qualify for services in less than a minute.

You could also pay them a visit in person if you reside close to their offices in Hollywood, Florida. There is no active customer support on Sundays

The company does not have a mobile app, and the online platform does not have a client dashboard.

Customer Ratings

CuraDebt Customer Ratings
CuraDebt Customer Ratings

We looked at various sources to get an idea of what it’s like to work with CuraDebt. CuraDebt has a 4.1/5 rating on TrustPilot

Users generally agree that CuraDebt is simple to use, offers excellent customer service, and is among the best debt relief companies.

Complaints against CuraDebt, on the other hand, tend to be focused on the company’s website design or the absence of an app. 

The complaints are limited and primarily about personal user preferences. 

CuraDebt Comparison

CompanyCuraDebtCitizens Debt Relief
Minimum Debt Settlement Requirement$5000Not disclosed
FeaturesAllocates case manager, Free consultation, etc.Monthly payment, Free consultation, etc.
Fees20% of the total enrolled debt 15% – 25% percent of total debt
Relief Time24 to 48 months24 to 48 months
Savings50% excluding fees40%-60% excluding fees
BBB ratingNot accreditedNot accredited
Trustpilot Rating4.14.3

Also Read Citizens Debt Relief Reviews

How We Review Debt Relief Companies

When reviewing debt relief companies, we consider a variety of factors. These include the following:

  • Company history and experience
  • Services offered
  • Fees charged
  • How the company interacts with customers (customer reviews)
  • State availability

We then score the companies based on these factors. Finally, we assess how the company compares to its competitors.

This allows us to better understand the company’s strengths and weaknesses.

CuraDebt ranks as one of the best debt relief companies thanks to its impressive track record and wide range of services.

If you’re struggling with debt, we highly recommend you consider CuraDebt for assistance.

Related Debt Relief Review Methodology

Final Verdict

CuraDebt is one of our top picks for debt relief companies. It charges fees based on the industry standard and helps you eliminate your debt in 24-48 months.

You can also look at another one of our top picks- Accredited Debt Relief. While CuraDebt charges 20% of the enrolled debt, Accredited debt relief charges 15% to 25% of the enrolled debt.

Also, an Accredited debt relief company requires you to have a minimum debt of $10,000 and can help you get rid of your debt in the same amount of time period as CuraDebt.


What is CuraDebt's minimum debt requirement?

CuraDebt requires a minimum debt of $5000. This is lower than many other companies in the industry.

Is CuraDebt reliable?

CuraDebt is a reliable company with over 20 years of experience in the debt relief industry.

How does CuraDebt compare to its competitors?

CuraDebt compares favorably to its competitors. The company has a lower minimum debt requirement and offers consolidation loans.

Does CuraDebt provide free consultation?

Yes, it provides a free consultation.

Is CuraDebt legit?

Yes, it is legit.

NPC Overall Rating

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