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Pros / This service gives you some control over your payment schedule.

Cons / It is not available in every state.

 Verdict / CuraDebt is an accredited debt consolidation and debt settlement service that also handles payday loan debt relief.

CuraDebt helps people get out of payday loan debt and similar financial straits. Its prices and offerings vary depending on the state you live in, as it does not operate in every state. It is accredited and has a good reputation for a debt settlement service.

CuraDebt does not do business in Colorado, Connecticut, Georgia, Idaho, Illinois, North Dakota, New Hampshire, Oregon, South Carolina, Vermont, Washington, Wisconsin and West Virginia. If you live in a state other than these, you can get a free estimate and consultation by filling out the online form or by calling. To qualify for assistance from CuraDebt, you need at least $7,500 in qualified debt, but that can include payday loans, credit cards, unsecured personal loans and collections, among other debts.

Once you sign up, your advisor can help you determine how much money you can afford to put toward your debts each month. CuraDebt uses that number to negotiate with your payday loan holders and other creditors to get you a better interest rate and help you get your debts paid off faster. On average, this program takes two to four years to complete and 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 is on the low end for the payday loan debt-relief companies we reviewed.

During the negotiation process, you put the agreed-upon amount into an FDIC-insured trust fund. In this way, you are consolidating your payday loan debt into a single payment. You have online access to see this account and the progress being made to your debt settlements and reduction. Of course, you pay only after the service reaches agreements with each of your creditors, but until a settlement is reached, you are responsible for your debts. This means your creditors can still call you, charge late fees and take punitive action. They are not obligated to negotiate a settlement.

This payday loan debt consolidation and settlement company an excellent rating with business rating services, is AFCC and IAPDA accredited, and has few online complaints.

CuraDebt's website covers debt management and options for handling your debt, including an explanation of bankruptcy and its consequences. It has a detailed FAQs page and blog about debt and finances. You can call or email a credit counselor if you have basic questions about the company's services.


CuraDebt is an accredited debt settlement company that can handle payday loan consolidation and settlement as well. It works like most debt settlement services to negotiate down your payday loan debt to pay it off more quickly. Its rates are lower than many of the services in our lineup, but it's not available in every state.

CuraDebt Visit Site