In-Depth Analysis

CuraDebt Review 2024

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Written By
G. Dautovic
August 14, 2023
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

According to a report published in February 2021 by Bloomberg and the Institute of International Finance, the world’s total debt hit an all-time high of $281 trillion at the end of 2020. That’s more than 355 percent of the world’s gross domestic product. Everyone is, in a way, in debt, and while the implications might not be so direct for regular citizens, one thing is clear – there are a lot of people out there who need help with managing their finances.

CuraDebt is a company that recognizes this need. In this article, we’ll assess how CuraDebt reviews debt settlement as one of the top debt relief companies and how the company works to help the average Joe find his way out of the rabbit hole that is debt.

Min. Debt Amount

Relief Savings: 50% to 80%

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

Minimum Debt Amount
Credit Score Required
BBB Rating
Fees and Pricing
20% of total debt
Program Length
24 to 48 months
Relief Savings
50% to 80%
pros thumb up Strengths
  • Offers free analysis of your debt situation in 30 seconds
  • Provides a professional negotiation team to help protect you from creditors
  • Helps reduce up to 70% of unsecured debts
  • Provides debt settlement on a variety of debts such as tax debts, credit card debts, private student loans, and more.
  • No upfront fees; you only pay when you see results
pros thumb up Weaknesses
  • Available to limited locations
  • Web platform can be difficult to use
  • No dedicated dashboard for client accounts or mobile app available
  • Can have a negative impact on credit score

CuraDebt Overview

Modern financial troubles require modern solutions. Suppose you find yourself neck-deep in debt, and there seems to be no way out of that predicament. Instead of declaring bankruptcy – that would affect your creditworthiness for ten long years – you might consider debt relief.

Debt relief refers to actions taken to reduce or refinance debt to make it easier for the borrower to repay it. These actions include interest rate lowering, principal amount reduction, loan term extension, debt consolidation, and other measures. CuraDebt is a debt relief company that provides people with these last-resort options when settling their debts may be a task too great to accomplish on their own.

About CuraDebt

CuraDebt has been offering debt management, debt relief, and debt consolidation services to the general public since 2000. Over the years, they have helped individuals handling credit card debt, personal loans, payday loans, lines of credit, collections and repossessions, medical debt, business debts, private student loans, IRS debt, back taxes, and any other tax debts, certain secured debts, and various types of unsecured debts.

Now let’s kick off our CuraDebt review.

How Does CuraDebt Work?

The CuraDebt process is straightforward. It all begins with a request for a free online savings estimate. Unlike other companies, CuraDebt doesn’t perform a credit check. With the savings estimate, you can learn about your options, even if you eventually decide not to continue with CuraDebt. If you choose to enroll, CuraDebt assigns a debt counselor to you and a team made up of credit arbitration experts and financial advisors. The team helps to negotiate debt settlements.

Based on finances, CuraDebt negotiates with creditors on the best terms of payment. Afterward, you deposit money into a savings account. The money is used to settle your debts for less.

Additionally, CuraDebt’s Debt Relief reviews laws like the Telecommunications Consumer Protection Act, the Fair Debt Collection Practices Act, and other guidelines and regulations in debt settlement to find violations committed by creditors and use them as leverage for negotiations. These negotiations could lead to cash settlements or even get you dismissals on some debts. In between 24 to 48 months, your debts should be fully settled.

CuraDebt Requirements

Eligibility for CuraDebt’s services doesn’t require much:

  • You must be at least 21 or older
  • You must have verifiable income
  • Your minimum debt must be $5,000


CuraDebt BBB rating stands at an A+ from reviews available on the accreditor. While the company is not accredited by the Better Business Bureau, this doesn’t render it illegitimate.

Since countless predatory companies steal financial information and data under the pretext of providing debt relief services, we recommend that you pay attention to the Federal Trade Commission’s guidelines to avoid data theft. You should also pay attention to warnings and check open cases with the FTC. You can make background checks on companies with the Consumer Financial Protection Bureau.

CuraDebt has no existing cases with the FTC, and it carefully protects customer information. Hence the possibility of a CuraDebt scam is very unlikely.

CuraDebt Fees

How much does it cost to enroll for CuraDebt’s services? Interestingly, CuraDebt doesn’t charge its clients any fees up front. It is basically a free-to-use service, and you only pay when you see results in your debt status. CuraDebt is also very straightforward with its pricing. The industry average on settled debts is between 15% and 25%, and CuraDebt charges 20% on each settled debt, which we consider a reasonable price for the services rendered.

CuraDebt Tax Relief Program

When dealing with tax debts, CuraDebt collects your financial documentation to determine your status. Next, CuraDebt will collect the paperwork necessary for tax returns. This tax debt relief program involves setting up a team of debt professionals to work on settling your debts.

There is basically no debt involving tax that is not covered under the tax relief program. CuraDebt works on resolving and settling business and personal taxes, tax penalties, unpaid taxes, wage garnishments, back taxes, tax liens, trust fund penalties, and more. Moreover, it has no hidden fees, and it uses flat-fee pricing. CuraDebt clients with a tax debt amount of less than $25,000 pay an average debt fee of $900. This fee increases with the debt amount.

In our CuraDebt IRS reviews, we found that, while the company doesn’t offer its services to every state in the United States when it comes to tax debts, the service is available in all 50 states. You get access to federal tax experts if you owe the IRS.

Please note that CuraDebt cannot handle loans or debts that are tied to physical items. CuraDebt works on unsecured debts, so its services will not be helpful with debt situations such as auto loans or mortgages. For clarity, we’ll go through the types of major debt situations that CuraDebt typically handles.

Medical Debt

Without health insurance, medical bills can pile up to a sickening height, but they can be resolved. CuraDebt reviews your medical expenses, bundling them with other unsecured debts. Then the company can help you pay the debts for a lesser amount than originally owed.

Credit Card Debt

If you owe on cards and cannot pay back, CuraDebt may be able to help you offset them. This debt settlement applies to credit with traditional issuers like Mastercard, Visa, as well as private credit card issuers or even store credit.

Personal Loans and Payday Loans

Individuals with personal loans from third-party lenders or payday loans from banks or their financial institutions facing difficulties in settling their loans are also eligible for CuraDebt’s services.

Private Student Loans

CuraDebt reviews debt settlement on student loans as well. Unfortunately, the company doesn’t settle debt situations involving federal loans. However, it does take on cases involving loans from private funds. CuraDebt can help you negotiate favorable settlement terms for private student loans.

CuraDebt Tax Debt Settlement Methods

The following tax solutions are available when CuraDebt handles your debts:

  • Currently non-collectible: CuraDebt proves you are under extreme economic hardship, thereby stopping the IRS from making further collections since you cannot pay the back taxes
  • Installment agreements: Tax debts are paid in installments
  • Penalty abatements: Penalties are absolved, and payments are made on an installment agreement
  • Offer in Compromise: The IRS lets you pay off your debts in a single lesser amount
  • Tax lien subordination: CuraDebt debt relief reviews your personal assets, and then the debt is paid using funds from any of those assets
  • Collection statute expiration date: Your tax debt receives an expiry date, usually 10 years

CuraDebt Accreditation

CuraDebt is a member of recognized bodies in the debt industry such as the American Society of Tax Problem Solvers, the US Chamber of Commerce, the American Fair Credit Council, the International Association of Professional Debt Arbitrators, and the National Association of Tax Resolution Companies.


The eventual payments on debts are usually much lower than the actual amount owed. But how much exactly can be saved? CuraDebt Debt Settlement Letters show that their clients have saved between 50% and 80% on overall payments.

Comparison Reviews on CuraDebt

Before choosing CuraDebt, it would be prudent to consider other debt relief companies.

Curadebt vs. Industry Competitors

CuraDebt Logo
Minimum Debt Amount:



20% of total debt

Freedom Debt Relief Logo
Freedom Debt Relief
Minimum Debt Amount:



15% to 25% of total debt

National Debt Relief Logo
National Debt Relief
Minimum Debt Amount:



15% to 25% of total debt

CuraDebt Customer Service

CuraDebt reviews its complaints via phone, fax, email, and live chat. The phone lines are available Monday to Friday from 9 a.m. to 8 p.m. EST and on Saturdays from 10 a.m. to 3 p.m. You could also visit in person if you live close to their offices situated in Hollywood, Florida. There is no active customer support on Sundays. The company offers no mobile app, and unlike other providers, the web platform doesn’t have a dedicated client dashboard.

CuraDebt Customer Reviews

You don’t have to take our word alone for it. Customer reviews on the services rendered by CuraDebt are mainly positive. On TrustPilot, CuraDebt holds a 4.4/5 rating. On ConsumerAffairs, the company holds a 4.2 rating. The general consensus from users is that CuraDebt is quite easy to use, has a very helpful customer service, and is one of the best debt relief firms. This consensus is one we can confirm from our own review.

CuraDebt complaints, on the other hand, are centered on the lack of an app or the layout of the company’s website. The complaints are very few and are mostly based on personal usage preferences.

In Conclusion

Fair Warning: Debt settlement can harm your credit score. This is because credit companies will stop receiving regular payments from you should you opt for this debt relief option. We recommend that it should be a last-resort option when you have exhausted all of your other options, such as debt consolidation or debt management.

We’ve observed that, while some of CuraDebt’s terms of usage may be similar to other debt relief providers, there is more to it than meets the eye. For one thing, CuraDebt has a unique way of approaching debts, which may mean you only get to pay 80% on your owed debts. Besides, CuraDebt is very affordable.

User reviews on CuraDebt also reveal that most clients enrolling the service have their debts cleared as promised. There are seldom any negative reviews to taint CuraDebt’s good standing. That’s why it would be worth your while to consider them in managing your debt situation.


Is CuraDebt a good company?


Judging from our review and consumer reviews on TrustPilot and other review sites, you can place your trust in CuraDebt. The company prioritizes providing excellent debt relief services to its clients at affordable prices.

Do debt settlement companies really work?


Debt settlement company reviews, especially CuraDebt Reviews, indicate that debt settlement companies are a valid go-to for individuals searching for solutions to debt problems. Clients end up paying much less than they actually owed in the beginning. Negotiations are difficult, but debt settlement companies help smoothen the process. They do work, but should always be considered as a last resort, as debt settlement can harm your credit score.

Which debt relief program is the best?


There are many programs to choose from, but CuraDebt’s debt relief program is one of the best, especially as it is one of the few that tackles tax debts.