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Yes, CuraDebt is a legitimate debt relief services company that has been in business since 1996. They are accredited by the International Association of Professional Debt Arbitrators (IAPDA) and are members of the American Fair Credit Council (AFCC) and the US Chamber of Commerce. The company also holds an A+ rating from the Better Business Bureau (BBB).

CuraDebt’s services are available in 34 states and Washington, DC. However, they are not available in several states, including Colorado, Connecticut, Georgia, Kansas, Maine, New Hampshire, North Dakota, Oregon, South Carolina, Vermont, and West Virginia. Please refer to their website to determine whether they are present in your state. 

Using any debt settlement program, including those offered by CuraDebt, will likely negatively affect your credit score for several years. Given that payments are halted during negotiations, any missed payments and collections accounts will be reported, thus lowering your score.

On average, people who enroll in CuraDebt debt-relief program expect to save around 50% of their total debt before fees, and about 30% after fees.

If you miss a payment within the CuraDebt debt-relief program, you may incur fees, which could impact the negotiation process with your creditors.