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CuraDebt Debt Settlement Review

Melissa Lyken | December 01, 2022

Don't let creditors make your funds disappear.

Summary: Worried that you'll never be able to pay off your debt? It might be time to negotiate with your creditors and settle your accounts. CuraDebt might be able to help you with your debt settlement plan. Find out if it sounds like a good way to eliminate your debt.

CuraDebt is a debt management company that helps debtors pay unsecured debts to avoid bankruptcy. CuraDebt creates a debt settlement plan that enables the debtor to pay a lump sum amount, usually less than what they owe, to settle the debt. CuraDebt claims to slash debt amounts by 50%, but it often depends on the amount the debtor owes. Factoring in the fees, you should enjoy 30% to 80% in savings.

Let's take a look at how CuraDebt works and its qualification requirements. Keep reading to find out our Rating for CuraDebt.

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CuraDebt Helps People Settle Their Debts

CuraDebt uses two methods to help debtors pay off debt. CuraDebt identifies creditor violations according to the Fair Debt Collection Practices Act and maximizes them to reduce debts, obtain cash rewards, or get them dismissed. Then, CuraDebt proceeds to negotiate a debt settlement plan to pay the remaining debt.

The plan is an agreement with the creditor to accept less than the amount owed as full payment. The plan stops collectors from hounding the debtor and filing lawsuits.

Note, the creditor may refuse to accept a lesser amount if they have reason to believe you could pay the total amount you initially agreed to. Also, the plan is ideal for specific types of unsecured debt like credit cards or medical debt. Debts on cars or foreclosed homes can't be settled using debt settlement plans. Here's Curadebt's debt settlement process:

1. Get a Free Debt Settlement Counseling Session

Curadebt expert counselors listen to you to understand your situation and determine if you qualify for in-house performance based on the company's debt negotiation program. This consultation is non-obligatory, free, and confidential.

2. Have Your Debt Settlement Plan Explained

If you qualify for the program, the Curadebt counselor explains the fee structure, risks, timeline, and other details clearly to make sure you understand the benefits. The counselor then helps you sign the agreement.

3. Open an Account with CuraDebt

The counselor helps you open an account where you'll save monthly funds or a lump sum amount to pay the debt.

4. Leverage TCPA, FDCPA, and Other Violations to Minimize Your Debt

While many companies focus on negotiating debts, Curadebt maximizes their clients' rewards by finding out collection or credit reporting violations. The point is to get debts reduced as much as possible or dismissed.

5. Negotiate the Best Resolution for Your Remaining Debt

The in-house team then works out a settlement plan to help you settle the remaining debt. If the creditor accepts the offer and the debt gets settled, Curadebt receives a commission of 20% of the enrolled debt. This process is repeated for all debts until you graduate from the program in three years.

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You Need to Qualify for the CuraDebt Debt Settlement Plan

The debtor should have a minimum of debt of $10,000 in unsecured debts to qualify for the plan. However, the amount varies based on the type of debt and the state the debtor resides in. Debts that are eligible for the CuraDebt settlement plan include:

Credit Card Debts

This type of assistance applies to people with traditional credit cards from issuers like MasterCard and Visa. Private label credit cards and store credit cards also qualify.

Tax Debt

Federal tax experts are available to help you repay past-due tax debts

Medical Debt

Medical bills can be a problem if you don't have a health insurance plan. CuraDebt bundles up such debt with other unsecured debt to help you pay off a lesser amount.

Payday and Personal Loans

These debts also qualify for debt settlement along with unsecured lines of credit you may have obtained from banks or other financial institutions.

CuraDebt Can Negotiate Tax Relief with the IRS

Debtors who can't pay taxes on time may qualify for tax debt relief in the form of a debt settlement with the IRS or a payment plan. However, debtors must act quickly because the IRS charges a penalty of 0.5% of the unpaid taxes every month on top of interest. If enlisting the help of CuraDebt tax counselors, they can negotiate with the IRS on your behalf to use any of the following approaches to settle tax debt:

Installment Agreements

The debtor pays the tax debt in smaller, manageable portions every month

Offer in Compromise

CuraDebt negotiates a payment plan with the IRS allowing the debtor to pay a reduced amount to resolve their tax liability. However, the IRS looks at your ability to produce income, expenses, and asset equity before allowing the debtor to apply for an offer in compromise.

Declare the Debt Non-Collectible

If CuraDebt proves the debtor is experiencing economic hardships that make it impossible to pay the taxes, the IRS may stop collections.

Penalty Abatements

The option is used along with the installment agreement and reduces the penalties

Place a Tax Lien on Property

The IRS may put a lien on your property if you fail to pay what you owe. The lien allows the IRS to seize any proceeds from an asset's sale.

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Pros and Cons of Working with CuraDebt


  • Free Consultation: CuraDebt provides a free consultation session that allows debtors to talk to a debt counselor about their obligations and a suitable debt settlement plan.
  • High Savings: CuraDebt claims to have helped debtors dismiss some debts saving a great deal of cash.
  • Proves Legality of Debt: CuraDebt looks for any legal violations the lender may have committed before negotiating a payment plan. If the lender violated any of the rules outlined by the Fair Debt Collection Practices Act, they might be compelled to dismiss the debt.


  • Not Accredited with Better Business Bureau: CuraDebt boasts great online reviews and an A+ rating with Better Business Bureau, but the company isn't accredited with the agency.
  • Lacks a Mobile App or a Client Dashboard: Most debt relief companies offer an online client dashboard or mobile applications. CuraDebt does not provide any of the options.

Final Verdict

Overall, CuraDebt helps debtors settle a debt by eliminating the harassment and embarrassment associated with debt collection. However, its lack of accreditation with Better Business Bureau and countless complaints about poor customer service reduces its credibility. We give CuraDebt a final rating of 3/5.

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