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CuraDebt: Debt-Relief at an Industry-Low Minimum Requirement

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CuraDebt: Debt-Relief at an Industry-Low Minimum Requirement
CuraDebt Debt Relief Review

Updated On: June 27th, 2024

Paying mounting debt while simultaneously juggling bills, taxes, and other financial commitments has become a normality in American life. Like many others, you may find yourself exploring debt-relief options and companies such as CuraDebt, which has been offering nationwide debt relief and tax assistance services to individuals and small businesses since 2000.

In this review, we'll examine this provider’s services and fee structure, weighing the benefits of choosing them against any potential drawbacks. We'll also sift through customer feedback to give you a well-rounded perspective on what to expect.



No upfront fees
Free consultation
Low minimum debt amount


Does not disclose fees
Limited state availability
No mobile app or online dashboard


Quick Stats

Credit Score Impact
Program may lower score temporarily
Average Net Savings
30% after fees
BBB Rating
20% on average
Minimum Debt Required
Money-Back Guarantee
24 to 48 months
Money-Back Guarantee
Trustpilot Score
2.3 out of 5
Customer Experience

Company Overview of CuraDebt

Originally established as a local service provider in Irvine, California, in 1996, this company moved to Hollywood, Florida, in 2000 and has since broadened their potential client base to encompass 34 states and Washington, DC Over the past two decades, their team has helped more than 300,000 individuals and small business owners navigate financial challenges through their debt-relief program and debt negotiation.

The services they offer include debt settlement, debt consolidation, and tax debt relief. Their process typically starts with an initial free consultation, during which experienced debt professionals assess your financial situation and eligibility before recommending one of their plans.

In addition to their services focused on relieving debt, they provide assistance with unpaid taxes—including personal and business taxes— as well as trust fund penalties, tax penalties, wage garnishments, and tax liens for both personal and business purposes. They also help people navigate audits, FBAR (Foreign Bank Account Reporting) issues, IRA rollover issues, and various IRS programs, including partial payment plans, offers in compromise, the Fresh Start program, and innocent spouse relief.

The company holds an A+ rating from the Better Business Bureau (BBB), though they are not accredited. They have, however, been deemed an Accredited Service Center by the International Association of Professional Debt Arbitrators (IAPDA). They are also a member of the American Fair Credit Council (AFCC), the US Chamber of Commerce, the National Association of Tax Resolution Companies (NATRC), the National Association of Tax Professionals (NNATP), and the American Society of Tax Problem Solvers (ASTPS).

Types of Debt Covered by CuraDebt

They direct their debt-relief efforts towards unsecured debts. They list the following types of debt they cover: 

  • Credit card debt
  • Personal loans
  • Lines of credit
  • Medical bills 
  • Collections and repossessions 
  • Business debt
  • Certain secured debts
  • Certain private student loans

The company explicitly mentions on their website that they can assist with certain secured debts but do not specify which types. For more information on how they can help you with secured debts, it’s advised that you personally contact them. 

They claim that for some clients, they were successful in settling as much as 100% of the debt owed. That said, the average savings rate for their clients is 50% before fees, or 30% after fees, over a period of 24 to 48 months. 

Services & Perks Offered by CuraDebt

In this section, we will explore this provider’s key debt-relief services:

  • Debt consultation: Their initial consultation session is free and confidential, and you can access it in three different ways. You can head out to their offices in Hollywood, Florida, for an in-person meeting with CuraDebt counselor. You can also get your consultation session via phone or by filling out their “Free Savings Estimate” form on their website
  • Debt negotiation and settlement: Their main debt-relief program centers around negotiating with your creditors to reach settlement agreements that significantly reduce the total amount of debt owed. They may work to lower interest rates or eliminate interest charges altogether as well
  • Debt consolidation: In addition to coming up with debt settlement plans, they give you the option to consolidate multiple debts into one manageable monthly payment. The money they collect is then used to pay off the negotiated debt settlements

They also offer additional services outside of traditional debt relief, including:

  • Tax debt relief: They stand out with their tax debt solutions, which include unpaid taxes, penalties, and wage garnishments
  • Compliance services: The company offers to assist you with filing missing tax returns or amending those with errors. Their tax team can negotiate with tax authorities to reduce your taxes and represent you during tax audits
  • Credit repair services: Once you complete their debt-relief program, they offer you credit repair to help you rebuild your credit scores and improve your financial standing

CuraDebt’s Fee Structure 

The company follows a performance-based fee structure, meaning you only pay once your debt has been successfully settled. This fee is typically a percentage of the total debt you enroll in the program. It is also the only fee you’d be expected to pay, since they don’t charge any upfront or monthly fees. 

They don’t explicitly state their fees on their website, but it is inferred from their claims of 30% savings after fees that the costs are an average of approximately 20% of the total debt. However, you must adhere to the agreed-upon payment schedule to avoid late fees, which may apply if you miss any of your monthly payments. 

Benefits & Drawbacks to CuraDebt

To determine if this debt-relief company is right for you, it’s helpful to carefully weigh the benefits and potential drawbacks.


  • Free consultation: Their free consultation session provides you with an opportunity to learn about their program up close, as well as the fee structure and the risks and benefits, without any financial commitment
  • Lowest-fee guarantee: One unique benefit of theirs is that you can approach them with a quote from any competitor, and they promise to either meet or beat it with their offer
  • Low minimum debt amount: While most companies in the industry require a minimum debt amount of between $7,500 and $10,000, they place their base minimum at $5,000
  • Credit repair services: If you complete their debt-relief program, you'll have access to their credit repair services, which can help you rebuild your credit scores
  • Helps uncover creditor violations: While in the negotiation phase, they can work on identifying any illegal debt collection practices and other violations of consumer protections


  • Lack of transparency: Their website lacks any clarity or thoroughness regarding their fee structure, which is only implied to be at around 20% of total enrolled debt 
  • Limited state availability: The company can only serve residents of 34 US states as well as Washington, D.C. They are not available in places like Oregon, West Virginia, and Hawaii, and only have a physical office in Hollywood, Florida
  • Limited customer support on weekends: They have limited customer support hours on weekends, with minimal availability on Saturdays but none on Sundays
  • No mobile app: Unlike many other debt-relief companies, they do not provide their clients with a mobile app or online dashboard for managing accounts and tracking the debt settlement process

Client Experience at CuraDebt

The company has a customer rating of 4.6 out of 5 stars on their BBB business profile despite not being accredited by the bureau. They also achieve a favorable rating of 4.8 out of 5 stars from reviewers on Google reviews. However, their Trustpilot rating is much lower at 2.3 out of 5 stars.

Positive feedback

Many customers expressed their gratitude for the company’s dedicated and responsive customer service. Many highlighted the professionalism and patience they encountered when dealing with representatives. Some added that they particularly appreciated the personalized care they received, noting how case managers took the time to explain the process in detail and answer questions. Much of the positive feedback also centered around the company's willingness to also handle tax debts and issues, which many competitors avoid.

Critical feedback

Despite positive reviews, some customers expressed dissatisfaction with the Florida-based company. One common complaint was bad communication and delays in resolving account concerns. Several reviewers reported that the program took longer than expected and expressed frustration over the lack of updates from the company. Some mentioned unexpected fees and a perceived lack of transparency regarding the program's impact on credit scores as drawbacks.

Customer Support at CuraDebt

There are multiple ways you can get in touch with their customer support team. You can reach them by phone at 877-850-3328. This line is available during their business hours, which are:

  • Monday to Friday: 9 AM - 8 PM EST
  • Saturday: 10 AM - 3 PM EST
  • Sunday: Closed

As for their email support, you can contact them at You can also mail or visit them at their Hollywood, Florida, office.

Their website also has a live chat feature, allowing you to get immediate assistance during business hours. They also constantly publish recent posts displayed on their home and blog pages, covering various personal finance topics, including debt relief, tax debt, and credit repair. You can also visit their FAQ page to learn more about the company and what they offer.

Final Thoughts 

In conclusion, CuraDebt is a debt-relief company whose range of services includes debt settlement, debt consolidation, and tax debt relief, with the latter being a feature that helps them stand out from the competition. The company also offers a free initial consultation, giving you the chance to understand your options without making a financial commitment.

They have a relatively low minimum debt requirement of $5,000; you don't have to present with as much debt as you would at similar companies, making their services accessible to a broader audience. Additionally, their fee structure is performance-based, which means you’d pay zero upfront and monthly fees. They also have a credit repair option that you can use at the end of your debt relief program.

However, this company is not without limitations. Their fee requirements lack transparency and they are only available in 34 states and Washington, DC. Additionally, their customer support is less accessible on weekends, and the absence of a mobile app or online dashboard can be disadvantageous.

Before making your final call, it's important to explore your options further. You can check out our review page of notable debt relief companies, as well as use our comparison tool to pit your top choices against each other. Reading our blog can also help you build up your financial knowledge.

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