Founded in 1996 and headquartered in Hollywood, Florida, CuraDebt is a debt relief company that serves individuals and small businesses. It offers a number of services including debt settlement and debt consolidation.

CuraDebt’s in-house team is made up of qualified counselors, such as CPAs, business owners, and others who bring a diverse set of skills and experience to the table. Since 2000, it’s helped more than 200,000 people with their debt.

CuraDebt snapshot

Minimum debt required $5,000
Type of debt relief Credit cards
Personal loans and lines of credit
Medical bills
Collections and repossessions
IRS debt and back taxes
Business debts
Certain secured debts
Fees 20% of the total enrolled debt
Time frame Typically 24 – 48 months
Savings estimate CuraDebt claims debt relief in the range of 50% to 80%, but it will depend on the individual
Requirements You must also live in any state but CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, WV and WY.
Best for Individuals with lower debt amounts

CuraDebt review

CuraDebt may not be the best solution for everyone, and some people may decide that debt relief is not the best solution for them from any company. To decide if CuraDebt is the right option for you, compare its advantages, disadvantages, services, eligibility requirements and other factors.

How CuraDebt works

The CuraDebt process is simple. First, fill out a short online form to find out if you qualify for CuraDebt’s services. You’ll need to share your debt amount and the state you live in. If you’re eligible, you can schedule a free consultation with a CuraDebt counselor. Once they learn more about your unique needs, the counselor will recommend the ideal program.

If you’re a good candidate for debt settlement and choose to move forward with it, you’ll disperse a certain amount of money into a special account every month. As the account grows, CuraDebt will look for violations by your creditors and collectors.

Then, the in-house team will negotiate your debt with one creditor at a time. You’ll get notified each time a settlement is reached. Upon your approval, the account will be settled in full and you’ll pay CuraDebt an average of 20% of the settlement. CuraDebt will continue to negotiate your debts until they’ve resolved all of them.

CuraDebt pros and cons

Pros Cons
Can qualify with only $5,000 in debt Not available in every state
No upfront or monthly fees No phone support on Sundays
Free consultation No mobile app

CuraDebt customer reviews

CuraDebt earned an A+ rating with the Better Business Bureau (BBB). If you look at other places for reviews such as TrustPilot, you’ll also find a number of positive remarks from satisfied customers. Overall, CuraDebt has a reputable online presence.

Qualification requirements

To work with CuraDebt, you’ll need at least $5,000 in debt. You must also live in any state but CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, WV and WY.

Time frame

The estimated time frame for the Freedom Debt Relief Program is 24-48 months. However, every individual is different and the process can be shorter or longer than this timeframe. Freedom Debt Relief works with each customer to design a timeline that works for their budget and financial goals, so the timeline can be flexible depending on what you need.

Who CuraDebt is for

CuraDebt could be a good fit for customers with at least $5,000 in debt who are looking to avoid upfront fees and live in an eligible state. With a relatively low minimum debt amount, CuraDebt could be beneficial for individuals with lower debt sums who may have trouble getting approved with other debt relief companies.

If you live in one of the 16 states where CuraDebt is not available, you should look into other debt relief companies and options. CuraDebt might not be your best fit if you prefer a company with more online accessibility and tools. CuraDebt does not have an app or client dashboard and its website does not include the resources and tools that some other debt relief companies provide.

What to watch out for

Working with a debt relief company always comes with risks. There is a chance that your creditors will not work with these companies, and they could even file lawsuits against you when you stop your payments. The debt settlement process can also damage your credit score, potentially impacting your financial future. Before deciding to work with a debt relief company, make sure that you have fully assessed all of your options and are comfortable taking on these risks.

Alternatives to CuraDebt

If you decide that CuraDebt isn’t for you, consider these alternative options.

  • DIY debt relief: Strategies like the debt snowball and debt avalanche can allow you to get out of your debt on your own.
  • Debt consolidation loan: A debt consolidation loan can allow you to roll multiple high-interest debts into a single loan with one manageable payment, ideally at a lower interest rate.
  • Credit counseling: You can work with a credit counselor to create a budget and figure out your best options for getting out of debt.
  • Debt management plan: With a debt management plan (DMP), a counselor will consult your creditors to design a repayment plan that combines your debts into a single monthly payment that may be lower than all your current payments.


CuraDebt is a Florida-based debt settlement company that’s been around for more than 20 years. In addition to a debt settlement program, it offers debt consolidation and tax debt relief. CuraDebt can be a good choice if you have at least $5,000 in debt and live in one of the states it services. Before you work with this company, make sure you are comfortable with the terms and options.

How Bankrate rates Freedom Debt Relief

Bankrate Score 4.1 Explanation
Services 4.3 Services were assessed based on minimum debt eligibility, types of eligible debt and whether or not the company provides free credit counseling.
Affordability 4.2 Affordability was assessed based on associated fees and whether or not the company specifies money-back guarantee terms.
Customer experience 3.6 Customer experience was assessed based on website usability and features, as well as app availability. Customer satisfaction and company reputation were assessed based on Better Business Bureau accreditation and reviews, as well as TrustPilot reviews.
Stability 5.0 Stability was assessed based on how long the company has been in business and whether or not they maintain membership with a professional trade association.