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CuraDebt Review

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PROS / CuraDebt strictly adheres to the FTC regulations that guide the debt settlement industry.

CONS / This service charges a monthly account maintenance fee.

 VERDICT / CuraDebt is a reputable debt settlement company that closely follows the legal guidelines established by the FTC. It is a good choice if a company's reputation is important to you.

Since 2000, CuraDebt has been helping customers with its debt relief programs. It has an excellent rating with business rating services, is AFCC and IAPDA accredited, and has few online complaints. While it is a solid company with a clean history, it offers standard debt reduction results and charges typical fees, so it doesn't necessarily stand out amongst its competitors.

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You can qualify for debt settlement with CuraDebt if you have at least $7,500 in qualified debt, which includes credit cards, unsecured personal loans and collections among other debts. On average, this service saves its clients between 30 percent and 50 percent on their debt after fees. The fees the company charges are on average around 20 percent of your total debt, which you pay as the service comes to agreements with each of your creditors.

  1. We calculated this score based on our experience contacting customer service.
    Higher is Better
  2. 7 CuraDebt
    80%
  3. 85%
  4. 90%
  5. 80%
  6. Category Average
    81.50%

The typical period for a debt settlement program is between 24 and 48 months. During that time, your personal, IAPDA-certified arbitrator negotiates with your creditors and you put money into a trust fund, which is FDIC insured. Once a settlement is reached with a creditor, you pay CuraDebt a percent of the total debt and the settled amount to your creditor. Keep in mind your creditors are under no obligation to settle with this debt relief agency, but you do not owe anything to CuraDebt unless it reaches a settlement.

CuraDebt's website is basic and can be confusing to navigate; for example, clicking on certain tabs takes you to a consultation form, which lacks internal navigation back to the site, forcing you to click through the back button to get to valuable information.

However, the site does cover details about debt management and different options for handling your debt, including an explanation of bankruptcy and its consequences. You can receive a free estimate and consultation by filling out a form online or by calling the toll free number. You can also email a credit counselor if you have basic questions about the company's services.

The website also provides a detailed FAQs page and blog. Each explains debt management, the effects of debt settlement on your credit and other financial topics.

Summary

CuraDebt's numbers and figures are average for the industry but not as good as some of the best services on our lineup. While the website can be confusing, it provides good information. Additionally, its customer service is very helpful and it has a long and solid history with very few negative reviews, which says a lot about the quality of service you receive when you choose to settle your debt with CuraDebt.

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