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CuraDebt: 2024 Review

Updated on May 8, 2023
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At a glance

Overall Score 4.6
Overview CuraDebt may not be the best solution for everyone — especially if you're on the fence about whether to use a debt relief service at all. To decide if CuraDebt is the right option for you, compare its advantages, disadvantages, services, eligibility requirements and other factors.
Minimum debt required $5,000
Time frame Typically 24 to 48 months
Fees 20% or less of the total enrolled debt

Best for: individuals with lower debt amounts

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.

This company might not be the 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.

Types of debt settled by CuraDebt

CuraDebt settles the following types of debt.

  • Credit cards
  • Personal loans and lines of credit
  • Medical bills
  • Collections and repossessions
  • IRS debt and back taxes
  • Business debts
  • Certain secured debts in special cases

CursDebt pros and cons

Consider both the risks and rewards of settling your debt with the help of CuraDebt.


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    Low qualification amount.

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    Minimal fees.

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    Free consultation.


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    Limited state availability.

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    Minimal weekend support.

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    No mobile app.

Debt relief qualifications

CuraDebt, which has been in business for 21 years, is a member of The American Fair Credit Council, which is one of the most trusted and longstanding associations in the realm of debt relief. Along with that CuraDebt is BSI certified and licensed and bonded in many states across the country.


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.


Fees and penalties

CuraDebt does not mention any upfront or monthly fees. Although the site states the lowest fee guarantee, fees will be affected by your credit balance, your monthly contribution and the creditors you owe. 

Credit score impacts

The debt settlement process can damage your credit score, potentially impacting your financial future. Before deciding to work with a debt relief company, make sure you have fully assessed all of your options and are comfortable taking on these risks.

What we like and what we don’t like

CuraDebt boasts accessible qualifications but may not be able for every customer due to limited national coverage.


  • Low qualification amount. Borrowers can qualify with only $5,000 of debt. 
  • Minimal fees. There are no upfront or monthly fees.  
  • Free consultation. Before signing off with CuraDebt customers can arrange for a consultation free of charge.


  • Limited state availability. CuraDebt only operates in 16 states.   
  • Minimal weekend support. If you are busy during the week, gaining support may be challenging with only some hours on Saturday and none on Sunday.   
  • No mobile app. All upkeep must be handled over the phone or on the CuraDebt website. 

Customer experience and reviews

CuraDebt earns 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.

How to contact CuraDebt

You can contact CuraDebt via email at, in-person at the brick-and-Mortar Hollywood, Florida location or via phone at 877-850-3328 Monday through Saturday from 9 a.m. to 8 p.m. ET or on Saturdays from 10 a.m. to 3 p.m. ET. 

CuraDebt frequently asked questions

How Bankrate rates CuraDebt

Overall Score 4.6 Explanation
Availability 4.3 CuraDebt offers a wide range of eligible debt along with credit counseling.
Affordability 4.2 Undisclosed terms lower an otherwise high affordability category.
Customer experience 4.7 The FAQ page covers most questions but the mid-tier support hours decrease the score.
Company reputation 5.0 CuraDebt doesn't have any complaints across the FTC or CFPB.
Stability 5.0 CuraDebt has over 20 years of business experience and is accredited by professional associations.


To rate debt relief services, Bankrate considers 15 factors. These factors include minimum debt allowed, what fees are charged, whether there are unresolved complaints and if the company is accredited. Categories that the services are rated on include:

  • Availability: Availability is assessed based on the minimum debt balance required, types of eligible debt and whether the company provides free credit counseling.
  • Affordability: Affordability is assessed based on associated fees and whether the company specifies money-back guarantee terms.
  • Customer experience: Customer experience is assessed based on website usability and features, customer support options and hours of operation.
  • Company reputation: Company reputation is determined by assessing complaints with regulatory agencies, like the Federal Trade Commission and Consumer Financial Protection Bureau.
  • Stability: Stability ratings are based on how long the company has been in business and whether it maintains membership with a professional trade association.

Editorial disclosure: All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.