• Minimum Debt owed: $10,000+
  • Offers Debt Consolidation and Debt Management
  • One Low Monthly Payment
  • Saves Clients Around 30 to 50% of Their Debt
  • Reduce Debt in 24-48 Months


CuraDebt is a debt management company that has been around since 2000. This company focuses on helping people avoid bankruptcy through their debt settlement plan or their debt management plan. They also currently offer a separate tax relief program. The plan that’s right for you will depend on your specific type of debt and your financial situation.

This company is a member of the American Fair Credit Council or the AFCC. They also belong to the International Association of Professional Debt Arbitrators. Both of these organizations regulate the debt settlement industry.


How Does CuraDebt Work?


If you’re researching CuraDebt reviews and seriously considering enrolling in one of their programs you can request an online savings estimate for free. This confidential service doesn’t involve a credit check and it can help consumers to learn more about their debt consolidation options without any obligation to enroll in one of CuraDebt’s programs.

Should you choose to enroll, you’ll be assigned a financial counselor. The other members of the support team include credit arbitration experts and financial advisors. This type of well-rounded finance team has several years of experience negotiating debt settlement terms.

Once your enrollment in a debt settlement program is complete, CuraDebt will immediately begin handling all of your creditor’s calls. Based on your finances, they’ll negotiate the best payment terms such as payment plans or lump sum settlements that can work in your favor.

During this program, your debt negotiator will work with creditors in order to achieve better rates while you deposit money into a savings account. The money in this account will go towards paying off creditors.



Do I Qualify for Enrollment?

To qualify for enrollment you must have a minimum debt requirement of $10,000 in unsecured debts. However, this amount can vary depending on the state you reside in and the types of debt you have. Qualifying debts include medical bills, credit card debt, and other lines of credit. Payday loans and title loans do not qualify.


Service Costs

On average, it’s been reported that CuraDebt can save consumers around thirty to fifty percent of their debt. This company charges twenty percent in fees, which must be paid after the company has successfully negotiated your debts.



This is a reputable company that gets paid a percentage based on the negotiation results. They even guarantee that the total amount of money paid to your creditors will be less than the total amount that’s due to your creditors at the start of the program, or their service is free. This includes CuraDebt’s service fees. This company offers two options: the debt management service program and the debt consolidation program, giving consumers more options in regards to how they want to pay off their debt.

On average, CuraDebt only charges a twenty percent service fee, while most debt management companies charge around twenty-five percent.

Another plus is their credit restoration program.

Once you’ve paid off your debt, you can enroll in their credit restoration program. The number of months it takes to restore your credit will ultimately depend on how deep in debt you were when you first enrolled.

Consumers can also take advantage of CuraDebt’s blog which features a wide variety of educational articles on financial topics. However, their blog is not regularly updated. The blog itself is not geared towards their tax debt relief services, but more towards their debt relief and debt management programs.



We felt that the CuraDebt website looked very basic. The user interface was not very intuitive. As an example, many of the links will lead site visitors back to the consultation form without a way to go back to the landing page. This will require visitors to click the back button in order to navigate the site a little easier.  Users will also find themselves constantly hitting the back button or refresh in order to avoid the constant free consultation pop-up. There’s no way to X out of the pop-up, so users are forced to hit the “see if I qualify” option, which takes them to the free consultation form.

Aside from these navigation issues, we found that the site has some useful information regarding debt consolidation and the many options consumers have regarding debt management.

Another issue with this service is the maintenance fee, which no other debt management services charge. There is no information available regarding how much this monthly fee will be.


How Long Will This Program Take?

Typically this type of program will take anywhere from two to four years to complete, which is average. For some, this may seem like a long time, however, as we have mentioned this length is the standard in this industry. Be wary of any debt consolidation or debt settlement company that promises to help you get out of debt in just a few months. While enrolled in this program, you’ll be responsible for an account maintenance fee. This fee will go towards maintaining your electronic account. None of these funds will go towards Cura Debt.


Tax Debt Relief Program

CuraDebt can help to relieve the stress and pain that comes with dealing with those daily phone calls from creditors. Taxpayers with unsettled business with the IRS can also take advantage of their Tax relief program.

For severe tax debt, the company utilizes a three-step process. First, they’ll conduct a thorough financial investigation in order to get a better grasp of your financial situation. Next, the company will obtain the necessary paperwork needed to prepare tax returns if applicable. This team of professionals will design a plan and find a resolution. CuraDebt works with business and personal taxes, unpaid taxes, tax penalties, back taxes, wage garnishments, trust fund penalties, tax liens, and more. This program features no hidden fees and offers flat-fee pricing. Consumers with less than $25,000 in tax debt will pay an average fee of $900. This cost will increase with higher debt amounts.



This company is accredited by the AFCC and the IADPA. The IADPA certifies and trains debt arbitrators. The AFCCC conducts a third-party analysis of company practices in order to ensure that a company remains compliant with FTC regulations.


  • Minimum Debt owed: $10,000
  • Offers Debt Consolidation and Debt Management
  • One Low Monthly Payment
  • Saves Clients Around 30 to 50% of Their Debt
  • Reduce Debt in 24-48 Months


Company Contact Information

In order to determine if you qualify for one of their programs or to choose a program that’s right for you, you can contact CuraDebt via email or phone. They can be reached by phone at 1-844-942-1477, from 9 am Monday-Friday or 10 am to 3 pm on Saturday.

This company is located at 4000 Hollywood Blvd. #555-S, Florida, 33021.

Once you’ve reached out to them, a counselor will present you with a custom plan. At this time you can ask questions regarding fees and the type of results you can expect.

Keep in mind that this company doesn’t operate in every state, so before you contact the company, make sure that operates in your state. The following states are excluded: VI, PR, WV, WI, WA, VT, SC, NH, ND, KS, IL, and ID.


Cancellation Policy

CuraDebt claims to offer a written refund policy, however, this is not clearly explained.



While searching for other CuraDebt reviews, we found this company to be a well-respected consolidation company that doesn’t attempt to mislead its clients. The variety of debt management programs available gives consumers more options in regards to how they want to pay their debt off. The cheaper service fees are a huge plus as is their excellent customer service, and their credit restoration program. If you would like to include your experience using this company then send us your Curadebt review today by contacting us.