CuraDebt Review

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rating: 5
  • Many types of debts accepted
  • An established brand
  • Enhanced settlement percentages even for new customers

CuraDebt Debt Consolidation


CuraDebt is an experienced debt relief service provider working with high-end settlement methods and optimal fees.

By Aleksandar Spasov | 18th December 2018

CuraDebt is one of the older players in the debt relief field although it might sound unfamiliar to some people. They have a service history going back to 2000 and are definitely experienced in terms of credit consolidation and debt management, resulting in thousands of debt free customers. Only a few complaints throughout the years have risen against CuraDebt, making them a trustworthy pick when it comes to debt consolidation companies. With an industry average savings numbers, the company relies on their amazing customer treatment and efficient debt consolidation solutions to rise to the top of the ranks in the industry.

Solid accreditationsBasic website outlay
Online account client availableMaintenance fee in place
Low service fee
Credit restoration program in place
Eligibility Criteria
  • Verifiable income needed
  • $10,000 of unsecured debt depending on the state of residence/type of debts
  • Both Personal and Business debts accepted
  • 21 years of age or older
How Much Does it Cost?

Having an account at CuraDebt comes with a minimal fee to keep it going. This fee doesn’t add up to our debt consolidation program but rather accumulates in our online account there. This isn’t a debt consolidation fee and it falls under the FTC restrictions on fee amounts – so no worries there. In addition, there aren’t any upfront fees when engaging CuraDebt services.

The usual fee after seeing results of the debt consolidation program add up to 20% of the enrolled debt. They are placed in portions to go with our monthly repayments of the loan. Keep in mind, settled debts fall under the Taxable Income category so you can strive for a greater tax bracket.

For Example

“If a customer carries $10,000 in debt with a 19% APR, debt settlements at CuraDebt can cost them $17,603.83 if no successful negotiations were conducted. On the other hand, positive negotiations could lead up to saving over $14,000.”

What Happens After Signing Up?

plan. In the case of debt settlement, setting up a trust account is the first step to do. All monthly payments go through it until your program comes to an end. Meanwhile, the debt settlement lawyer team at CuraDebt will immediately try to find violations made by your creditors in order to minimize the sum you need to pay in full. The teams at CuraDebt are specifically trained to be as aggressive as possible in finding ways to reduce your debt by digging into your creditors’ paperwork.

Such instances are a huge leverage when it comes to debt settlement and the brand uses them well enough to land great settlement percentages for their customers. If they manage to lower your debt or even eliminate it in whole, the last step is due to happen – a counselor will ask you if they can withdraw the accumulated funds from your trust account and finalize the process with the designated creditor.

As goes for tax relief, CuraDebt inspects your tax history to determine which direction is best to be taken. If one’s taxes are in line with IRS regulations, they don’t have much more to add to this state of the process. Even if you have missed something, they can work towards filling it or correcting unwanted mistakes in our taxes. Once the compliant state has been reached, CuraDebt specialists contact the IRS in order to grant you the desired tax relief.

Other available services

CuraDebt offers a number of debt reduction services and education about managing your debt. They have articles that will tell you everything about paying off your debts, filing chapter 7 or chapter 13 bankruptcy or even doing nothing as alternatives to using a structured debt repaying program. The point of these services is to determine the most effective way to pay off or manage your debt, so that you save the maximum possible amount of money. Since these are unsecured debts, they will often end in settlements, but what happens when you need to deal with a bankruptcy chapter 13 or chapter 7?

CuraDebt offers the following debt relief programs:

  • Chapter 7 bankruptcy
  • Chapter 13 bankruptcy
  • Debt management
  • Unsecured debt consolidation loans
  • Secured debt consolidation loans
  • Debt settlement
  • Tax debt relief for IRS and state tax debt
  • Debt negotiation
  • Debt consolidation

You will know what solution is best for you within minutes of contacting CuraDebt’s representative and explaining your situation to them. From there, you can move on to restructure and eventually pay off your debt while saving money in the process!

Trust and Reputation

Surprising for such an established debt relief company, CuraDebt doesn’t have a BBB rating but the customer reviews on the Better Business Bureau are 91% positive towards them, confirming that they are one of the best debt settlement companies. Excellent feedback can also be found at Trustpilot, so this is just a good start.

IADPA and AFCC both have issued accreditations to CuraDebt and this is what matters. Thanks to the IADPA, the debt relief company can rely on well-trained and professional arbitrators while the AFCC reviews them frequently. In order to ensure the best debt relief environment for customers, they contact third-party analysts and work towards achieving the highest FTC regulation coverage.

Experiences and results

In the past, people have used CuraDebt to pull off some amazing feats of debt relief. While the numbers say that the company charges a 20% fee, they also say that they often manage to get you such a reduction in debt that the 20% doesn’t mean much. Of course, this doesn’t mean the results will always be the same, but if you’re dealing with a creditor that’s willing to settle it’s far easier to get the job done. With CuraDebt’s connections, it doesn’t come as a surprise that the company is often successful at achieving some of these debt reductions. Let’s look at some examples.

  • In 2007, CuraDebt negotiated a 70% reduction with FIA card services where the client paid just over $5000 on an $18,000 debt.
  • In 2011, CuraDebt negotiated a fantastic 74% with First Bankcard of Omaha, which resulted in the client paying $4200 on a debt of over $15,600.
  • In 2014, CuraDebt negotiated a 66% reduction for USAA student loans. The client paid $2400 out of over $5,500.
  • In 2015, CuraDebt negotiated a 50% reduction with Comenity bank where the client paid around $600 on a debt of $1200.

These experiences and many others like them are common with only the best debt settlement companies out there, and it’s safe to say that CuraDebt belongs in that group.

Customer Support

Customer support employees at CuraDebt are experienced with solving debt relief issues. As we have mentioned, they come with great training beforehand, and assisting any customer only improves their performance over time. They can be reached by telephone from 9 AM to 8 PM EST from Monday to Friday. They also work on Saturdays with a 10 AM-3 PM EST time frame. You can send them a debt settlement letter through fax as well, for an old-school approach to your communication with them. Residents near Hollywood or Miami are totally free to call up and set a meeting in a physical office if they decide to.

Reviewed by
Aleksandar Spasov
Aleksander is a freelancer from Bulgaria. He's travelled and is still travelling around the the world and has been writing and studying as he goes. He describes himself as a bit of a word freak and this is clear from his studies in English and Journalism.Although he is knowledgeable in a lot of areas, he has been researching and writing about anti-virus as his most recent interest. Read more.
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