CuraDebt Review

Get help resolving unsecured debt and tax issues at a reasonable price

Our editors independently research and recommend the best products and services. You can learn more about our independent review process and partners in our advertiser disclosure. We may receive commissions on purchases made from our chosen links.



overall rating

Our Take 

Not only has CuraDebt been in business for a long time, but it also has a good reputation with its customers, offers a wide variety of customer support options, and can even help with tax issues. This makes it a solid choice for individuals wanting to work with a debt relief provider.

  • Pros & Cons 
  • Key Takeaways
  • Specifications 
Pros & Cons 
  • Customers are generally satisfied with the level of support provided

  • Only need $5,000 in qualifying debt

  • Support for IRS debt and back taxes is provided

  • Services aren’t available in every state

  • Live chat isn’t available

  • No phone support on Sundays

Key Takeaways
  • CuraDebt is a member of the AFCC and is an IAPDA-accredited service center.
  • Clients and non-clients can submit a support ticket online and someone from CuraDebt will contact them to assist.
  • The company has a client dashboard people can use to track their progress all the time.
  • You might be able to get a referral to a tax professional or bankruptcy attorney.
  • Although its range of typical fees isn’t provided, its average fee of 20% meets industry norms.
  • Services aren’t available to residents of CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, WV, and WY.
  • Year Founded 2000
  • Types of Debt Relief Unsecured consumer debt, business debts, IRS debt, back taxes
  • Fees 20% of total enrolled debt on average
  • Average Repayment Period 24 to 48 months
  • Accreditations AFCC and IAPDA
  • Minimum Debt $5,000
  • Official Website


CuraDebt is a reputable debt relief provider that offers services in most of the U.S. If you sign up for services with CuraDebt, it will work with your creditors to negotiate a settlement that’s less than the amount you owe. Once the settlement has been negotiated, you’ll pay CuraDebt a fee (20% on average) and your creditor the agreed-upon amount. 


Since debt settlement programs can negatively impact your credit and the providers may not be able to come to an agreement with your creditors, they should only be considered after you’ve exhausted all other debt relief options.

Read on to learn more about the debt settlement plan offered by CuraDebt.

Company Overview

CuraDebt is a debt relief company founded in 2000 and headquartered in Hollywood, Florida. The company is a member of the American Fair Credit Council (AFCC), the most well-known professional association in the debt relief industry. It’s also an accredited service center with the International Association of Professional Debt Arbitrators (IAPD), an organization focused on helping debt relief companies make sure their employees are well-versed in debt relief laws.    

Although CuraDebt is a national debt settlement company, its services are only available in 34 states. Restrictions such as these are not unusual and are often because of the state’s debt relief laws. 

Our review of CuraDebt didn’t reveal any recent legal actions by the government at the state or federal level. 

Debt Relief Options

CuraDebt can help people negotiate settlements for most types of unsecured debt such as credit cards, personal loans and lines of credit, and medical bills as well as help settle remaining balances on collections, repossessions, and some business debts. What makes it stand out from the competition is its ability to negotiate IRS debt and back taxes. 

You won’t be able to get support from CuraDebt on most lawsuits, utility bills, loans secured by collateral (e.g., auto or mortgage loans), government loans, and most student loans. However, if you need help resolving a balance owed on a lawsuit or you have a private student loan, the company may be able to help you on a case-by-case basis. You’ll need to speak with a debt counselor about your situation to see if assistance is available. 

To qualify for CuraDebt’s program, you’ll need to have at least $5,000 in qualifying debt. This limit is low compared to many of the other debt relief companies, which commonly have minimums ranging from $7,500 to $10,000.


Unlike most of its competitors, CuraDebt doesn’t disclose the typical range of fees its customers are charged. Instead, it states that the average fee it charges is 20% of the total enrolled debt. Most companies within the industry charge a fee ranging from 15% to 25% of the total enrolled debt. If you decide to sign up for services with CuraDebt and the fee is greater than this amount, you may be able to find better pricing elsewhere.

Clients who complete CuraDebt’s program are typically able to get their debts settled within 24 to 48 months and can save approximately 50%, excluding CuraDebt’s fees. The typical savings are about 30% after CuraDebt’s fees have been paid. 

You won’t pay any fees to CuraDebt until it has successfully negotiated settlements with your creditors. This type of performance-based pricing is typical for the industry. It’s a good pricing method since the company isn’t able to guarantee that it will be able to settle your debts. This is because each creditor is different, as is each individual’s financial situation.


Do not work with any debt relief company that charges an upfront fee, as this is illegal. Also, avoid working with any company that guarantees it can settle your debts, a claim that’s impossible to fulfill since every person’s financial situation is different. 

Customer Service: Phone Support Isn’t Available on Sundays

If you have questions, you can contact someone from CuraDebt by calling its toll-free number at 1-877-850-3328. Its normal hours of operation are between 9:00 a.m. and 8:00 p.m. ET Monday through Friday and between 10:00 a.m. and 3:00 p.m. ET on Saturdays. No phone support is available on Sundays. 

If you’re new to CuraDebt and need support outside of its normal business hours, or prefer email, you can send a message to You may also use its simple online form to schedule a free debt relief consultation and see if you qualify for services in less than a minute. And if you live in the Hollywood or Miami, Florida, area, you can call the company to schedule an in-person consultation at its corporate office.

Unfortunately, CuraDebt doesn’t offer support via live chat.

CuraDebt also has a ticketing system that can be used to submit a support request online. The ticketing system is available to both potential clients who want consumer debt counseling and existing clients. This is a value-added feature that’s not offered by all debt relief companies. 

Customer Satisfaction: People Report Successfully Getting Out of Debt  

We reviewed various sources to get a feel for what it’s like to work with CuraDebt. The vast majority of the reviews we read about CuraDebt were positive. Many people reported that they were able to get their debt issues resolved, including tax issues with the IRS. 

There were significantly fewer negative reviews about CuraDebt than positive ones. One of the themes we saw with the negative reviews was confusion over fees charged for a legal protection plan offered by CuraDebt through a third-party provider. In response to these reviews, CuraDebt refunded the fees even though they weren’t required to do so according to the contract signed by the customer. 

In reviewing CuraDebt’s debt relief offering on its website, we didn’t see a reference to a third-party legal plan that’s available for purchase. However, make sure to review your contract closely so you fully understand the fees you agree to pay. 

Account Management

Once you’ve signed up for services with CuraDebt, you’ll be able to access your information and monitor your progress 24/7 by logging into its client portal. If you have questions and want to speak with someone, you can call 1-877-850-3328 during the company’s normal business hours. 

You can also submit a ticket online and someone will get back to you.

Other Features

CuraDebt primarily focuses on helping people settle their debt for an amount less than they owe. Although CuraDebt doesn’t provide any other debt relief services, it might be able to refer you to a local tax professional or a bankruptcy attorney so you can get additional support. The best way to find out if and how CuraDebt can help you is by signing up for a free consultation with one of its debt consultants.

How CuraDebt Compares to Other Debt Relief Companies

One of the primary competitors to CuraDebt is National Debt Relief, a large debt settlement company that operates nationally. Although both companies primarily focus on helping people resolve issues with unsecured consumer debt, CuraDebt can also help resolve issues with IRS debt and back taxes. Their fees are similar, with National Debt Relief’s fees ranging from 15% to 25% and CuraDebt’s fees averaging 20%. 

There are some of the key differences between CuraDebt and National Debt Relief:

  • In addition to most types of unsecured consumer debt, CuraDebt can also help people settle IRS debt and back taxes. National Debt Relief doesn’t disclose whether it can help with this type of debt.
  • You’ll need at least $7,500 in qualifying debt to work with National Debt Relief.
  • CuraDebt can work with people who have as little as $5,000 in qualifying debt.
  • National Debt Relief services are available in more states than CuraDebt.

Both CuraDebt and National Debt Relief have great reputations and are good options for people who want to work with a debt settlement company. If you only have $5,000 in debt or have tax issues you need help resolving, you’ll be better off working with CuraDebt. However, if you live in a state where CuraDebt doesn’t operate, then National Debt Relief is the better option.

Read our National Debt Relief review.

CuraDebt vs. National Debt Relief
  CuraDebt National Debt Relief
Year Founded 2000 2009
Types of Debt Relief Unsecured consumer debt, some private student loans, some business debt, IRS debt, back taxes  Unsecured consumer debt, some private student loans, some business debt
Fees 20% of total enrolled on average 15% to 25% of total enrolled debt
Minimum Debt $5,000 $7,500
States Where Services Are Unavailable CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, WV, and WY CT, KS, ME, NH, OR, SC, VT, and WV

Final Verdict

CuraDebt offers debt relief services to people located everywhere in the U.S. except 16 states. On average, people pay a fee of 20% of the total enrolled debt, and those who finish the plan get out of debt in 24 to 48 months. Once you’ve enrolled in its program, you can easily manage your account online by logging into CuraDebt’s client dashboard and there are many ways to get support, including by phone, email, or by submitting a ticket online. 

Our review revealed that customers are generally pleased with the level of support provided by CuraDebt, with many people reporting that they were successfully able to get out of debt. Plus, you can even get support with tax issues, a service not provided by many debt relief providers. Overall, CuraDebt is a solid choice if you’re looking to work with a debt relief provider.


All of our reviews of debt relief companies are based on extensive research and analysis of each business based on offerings, customer service, pricing, years in business, accreditation, and more. To rate CuraDebt and other providers, we developed a debt relief review methodology that compares the debt relief options offered, additional features, fees, success rates, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings.

You can read our full methodology for a complete description of how we reviewed each company.