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CuraDebt Reviews

Home » CuraDebt Reviews

curadebt review

The following CuraDebt review shares information about their debt relief program and its cost, pros and cons, and overall reputation–and all from an unbiased point of view. We’ve gathered the facts from credible internet sources and will present our findings. has been operating in this industry for over a decade. We review debt relief, settlement, and consolidation companies and programs. After reading this CuraDebt debt settlement program review, check out the top 20 debt relief companies for 2023. An informed consumer, makes smart choices.

The CuraDebt Review for 2023

Middle-income individuals or families often require debt relief programs due to financial hardship making it nearly impossible to get out of debt. And as of 2023, more Americans than ever before are searching for debt relief, settlement, and consolidation programs. 

CuraDebt is one of the few debt relief companies that offer debt settlement, tax relief, and credit restoration for no extra cost. In addition, they are a licensed debt settlement provider whose program focuses on debt reduction. It is also important to note that their program is performance-based, meaning that they only get paid after settlements are obtained. 

CuraDebt made Investopedia’s “Top 6 Best Debt Relief Companies List for 2022”, and also made our list at for the top twenty debt relief companies of 2023. 

Before deciding whether to enroll in CuraDebt’s debt relief program, you must understand the following: 

  • How does the CuraDebt program work?
  • The plan’s Pros and Cons, compared to other options. 
  • CuraDebt’s credentials, including accreditations, reviews, and licensing details. 
  • The cost for CuraDebt’s program, including total cost, fees, and rates.

Knowing all there is to know about CuraDebt will help you make the best choice for your financial health. 

Contacting CuraDebt:

  • Address: 4000 Hollywood Boulevard, Suite 555-S, Hollywood, Florida, 33021
  • Website:
  • Phone: 1-877-850-3328
  • Fax number: 1-754-333-5510
  • Email:

Is CuraDebt Licensed?

CuraDebt is licensed in various states. CuraDebt is a Nevada Limited Liability Company registered as a foreign corporation and licensed in Florida. CuraDebt holds bonds, is licensed, and is compliant with laws applicable to where it is operating.

CuraDebt states that it is in full compliance with both federal and individual state laws and will meet licensing and bonding requirements as needed for different states. In addition, they offer a compliant, performance-based debt settlement program with no monthly fees and only charge settlement fees after a debt settlement successfully occurs. 

What Type of License Does CuraDebt Have?

CuraDebt holds a debt settlement license. From the company’s website it states: “CuraDebt Systems, LLC is a Nevada Limited Liability Company that is registered as a foreign corporation in Florida. The company is also licensed in Florida. CuraDebt Systems, LLC also holds bonds, is licensed, and/or is compliant with all applicable laws where it operates.” Source:

Where is CuraDebt Available?

CuraDebt is available in all states except CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, and WV. CuraDebt does not offer tax services in PA or PR.

CuraDebt Certifications and Accreditations

CuraDebt is accredited and certified by the International Association of Professional Debt Arbitrators (IAPDA) and accredited with the American Fair Credit Council (AFCC). 

What is CuraDebt?

CuraDebt has a unique operational infrastructure, offering multiple programs to assist consumers. For example, CuraDebt offers tax, credit repair options, and the CuraDebt settlement program.  Their settlement program can help consumers with multiple unsecured debts become debt-free in under four years through one low monthly payment. 

In addition, FDCPA protection is included in their debt settlement program in case creditors violate a client’s legal rights. Clients also have access to attorneys and legal protection while enrolled in the program. This is valuable because credit scores are often negatively affected, and credit restoration is needed. In addition, creditors may sometimes issue a summons to clients over an unpaid debt, and legal protection is required to resolve it. 

People enrolled in debt settlement services may also incur taxes over a settled debt.

How Does CuraDebt Work?

Understanding the CuraDebt process can help guide you in your final decision for a debt relief service. Below is a straightforward guide to how CuraDebt works and what you can expect from the company.

Their process requires customers to stop paying creditors and instead start setting aside smaller monthly installments into a special savings account. CuraDebt will negotiate with your creditors to help you settle each debt – for less than you currently owe in balances, interest, and fees – as funds accumulate in this account. 

First, CuraDebt will evaluate your credit report to determine what accounts qualify for debt relief. Then, CuraDebt will review your options to get out of debt, including consumer credit counseling, debt settlement, and consolidation. If you decide CuraDebt’s settlement program is best for you, they will estimate how much you can save on the program, what your monthly payment will be, and how fast you can become debt-free (known as your savings estimate).

Following your savings estimate, you can enroll in CuraDebt’s settlement program. However, before approving you, they will analyze your budget to determine affordability. There are no income requirements for CuraDebt.

If you decide to move forward with CuraDebt, you’ll get approved, after signing their client agreement and completing review all compliance disclosures. An experienced debt counselor will work with you, along with credit arbitration experts, and financial advisors. In addition, your debt settlement team will work with you to negotiate your debt with creditors.

Once negotiations begin, you deposit money into a dedicated savings account to settle your debts. CuraDebt also checks the legitimacy and honesty of your creditors and identifies any potential violations. Debts with CuraDebt’s program are typically resolved within 24 to 48 months. After that, CuraDebt financial advisors will negotiate with creditors to settle on payment terms, including a scheduled payment plan or a lump sum settlement.

Learn about credit card relief programs including pros and cons for each one.

Check out other debt relief company reviews:

What Type of Accounts Qualify for the CuraDebt Debt Settlement Program?

Eligible unsecured debts, including

  • Credit cards including store cards
  • Signature loans
  • Medical debt
  • Collections debts
  • Repossessions
  • Certain business debts
  • You can also enroll tax debt into the CuraDebt tax relief program 

Is CuraDebt Legitimate?

CuraDebt is a legitimate debt relief company. Along with its certifications and accreditations from the AFCC and IAPDA, CuraDebt is a member of NetCheck, the Online Business Bureau, HonestE Online, and the U.S. Chamber of Commerce. Though CuraDebt is not BBB accredited, it maintains an A+ rating with the Bureau and has many positive reviews on sites like Trustpilot. 

Is CuraDebt Licensed?

CuraDebt is registered as a foreign corporation and licensed in Florida. Depending on where CuraDebt is operating, the company can typically meet the licensing and bonding requirements for different states.

CuraDebt is not licensed or available in CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, and WV.

Is CuraDebt Accredited?

CuraDebt is an accredited member of the American Fair Credit Council (AFCC), the largest trade association within the debt settlement industry. In addition, CuraDebt is accredited and trained by the International Association of Professional Debt Arbitrators (IAPDA).

CuraDebt Debt Relief Program Pros

As with any debt relief program, CuraDebt has unique pros and cons that might influence your final decision. 

  • No upfront fees for enrollment in its debt relief program 
  • No payment due until after each debt is settled and resolved
  • The company charges low fees compared to other settlement companies. 
  • Flexible payment programs to choose from (e.g., 1, 2, 3, or 4-year programs). 
  • Helps customers negotiate existing tax debts and unsecured debts.
  • As low as $5,000 in debt can qualify for CuraDebt’s relief program. 
  • CuraDebt can help customers identify creditor violations.
  • Free consultations for anyone considering enrollment.
  • CuradDebt offers tax debt relief and tax advice. 
  • FDCPA protection and lawsuit defense are included through an affiliated attorney. This additional service can help find creditor violations that result in debt dismissal and cash settlements. 
  • Free credit restoration is included. 

CuraDebt Debt Relief Program Cons

  • No mobile app or client dashboard can make access challenging for some clients 
  • No customer phone support on Sundays.
  • Not accredited by the Better Business Bureau (BBB).
  • Website is unclear about many of its services and can lack transparency.
  • The debt settlement program can adversely affect credit scores and result in potential lawsuits due to creditors not getting paid as agreed. 
  • balances can rise before settlements occur, due to late fees and interest. 
  • There is no guarantee all creditors will settle. 

Does CuraDebt Hurt Your Credit?

CuraDebt’s debt relief program will negatively impact your credit, as with any debt settlement solution. Unfortunately, this is unavoidable, no matter the program. The debt settlement itself might not harm your credit score; however, previous events that led to the settlement will negatively impact you. For example, late payments will show on a client’s credit report, and eventually, so will collection accounts. These notations may remain for up to seven years. 

After a settlement agreement is reached, it will show a zero balance on credit reports next to the account. As each settlement occurs, credit scores may start to improve. 

Individuals seeking debt relief with average or positive credit scores will likely see more damage to their scores. Ultimately, your credit score will recover–but be prepared to deal with a drop in your score during the settlement process.

Does the CuraDebt Program Work?

CuraDebt’s debt relief program is a legitimate option for those struggling with debt and seeking a high-quality relief solution. The company is licensed and abides by state and federal laws. However, whether CuraDebt works for your financial situation depends on numerous factors. 

Don’t forget – you will only pay a fee if results are achieved, because it’s a performance-based program; only if the company performs will it get paid. This motivates the company and its debt negotiators to produce the best possible result for the clients. 

How Much Does CuraDebt Cost?

The cost of CuraDebt’s relief program depends on factors like your creditors, monthly payments, negotiable amount from your balance, and current credit balances. On average, customers can expect to pay fees equal to 20% of their total debt enrolled in the program.  CuraDebt offers a free debt relief consultation to help you determine which program is best suited for your needs, and they will provide you with a personalized quote based on your individual situation.

However, it is important to note that debt relief services can be expensive, and some companies may charge high fees and upfront costs. Before signing up for any debt relief program, it is important to carefully review the fees and costs involved, as well as any potential risks and downsides.

CuraDebt states on their website that their fees are based on a percentage of the enrolled debt, and they do not charge any upfront fees. They also offer a performance-based fee structure, which means you only pay fees if they are successful in negotiating a settlement or other debt relief agreement on your behalf.

Overall, it is important to carefully review the fees and costs involved with any debt relief program, and to consider all of your options before making a decision. It is also important to work with a reputable and trustworthy debt relief company like CuraDebt to ensure that you are getting the best possible service at a fair and reasonable price.

CuraDebt Complaints and reviews at BBB

CuraDebt solutions are relatively well-reviewed at BBB. The company has a 5/5 star rating with an average of 20 customer reviews and an A+ rating with the BBB. While CuraDebt solutions are rated high compared to similar companies that offer debt relief services, the company has received 9 BBB complaints over the past three years and four within 12 months. 

Is CuraDebt BBB Accredited?

CuraDebt is not BBB accredited. However, despite not being accredited, the company has an A+ rating from BBB. Some BBB jurisdictions won’t offer accreditation to debt relief companies simply due to the industry. However, the letter grade system is based on points. A minimum of 97 points is required to earn an A+ rating for debt settlement companies. In addition, BBB adds and deducts points based on criteria centered around complaints, time in business, and legal compliance. 

For example, the fewer company complaints, the more points they get toward their rating. Unresolved BBB complaints can result in a deduction of points. More time in business equals more points. If a company is licensed, it gets additional points. So, an A+ rating must be earned and is a solid credential to consider. 

How to Cancel CuraDebt

Seek guidance from CuraDebt’s customer service team to cancel the program. 

Disclosure is a valuable resource for finding reviews for credit and debt relief companies. does its best to provide factual and truthful information to help the public by giving honest debt relief, settlement, and consolidation reviews. However, please email us at if you believe any of the information on this page is inaccurate, and we will make appropriate edits.  Always do your research, and do not rely solely on the information provided in this review. We are not responsible for the results of any program you choose to join. Check multiple sources for reviews, including your state’s Attorney General office, FTC, and BBB. Reviews about CuraDebt on Yelp and Reddit may also be helpful.

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