Pros / You only need $5,000 of debt to start a settlement program through CuraDebt.

Cons / This settlement company doesn’t direct you to credit counseling or debt consolidation loans if you don’t meet the profile for a debt settlement plan.

 Verdict / CuraDebt has fair program fees and debt reduction percentages but falls short in the other resources it offers.

CuraDebt is a Florida-based debt settlement company that has been in operation since 2000. We consider such a long tenure to be a good sign, and while CuraDebt’s settlement programs meet the bar for inclusion on our site, it offers less in the way of customer service and resources than the best settlement companies we reviewed. When you call in to this company, the debt specialist you speak to will ask about how much you’d ideally pay each month into the program. They will then provide an estimate based on the amount of current debt you have and who your creditors are. Typically, the debt settlement company will run a soft credit check to evaluate your debts. We also recommend having a rough estimate of your monthly spending and budget handy when you call.

The debt specialist will explain the program to you, touching on the benefits and the drawbacks, as well as other avenues for managing your debt. A settlement program requires you to stop making payments to your creditors and instead make deposits into a separate account set up by CuraDebt. As funds in that account accumulate, the company will negotiate with your creditors to accept a lump sum payment to settle your accounts.

A debt settlement program will have a negative impact on your credit score. Since you stop making payments, your accounts will become delinquent and show up as being late on any credit reports.

Settlements through CuraDebt can reduce your debt by as much as 50 percent. You’ll pay fees of 16 to 20 percent on the amount of debt you enroll in the program. This means you will pay more than the settled amount. For example, if you join with the minimum of $5,000 in debt and CuraDebt settles for a lump sum of $2,500 and you pay 20 percent on the $5,000 you enrolled, you’ll end up paying a total of $3,500, or 70 percent.

CuraDebt offers its services to residents of 38 states. Unlike other settlement companies such as Freedom and National Debt Relief, it does not make referrals to credit counselors or debt consolidation lenders.You can pay an additional monthly fee for legal assistance with collection calls.

This is an accredited debt relief organization with both the IAPDA and AFCC. To maintain these accreditations, CuraDebt must meet quality training standards and submit to yearly audits. 

CuraDebt Visit Site


CuraDebt provides debt settlement programs and legal assistance to consumers struggling with debt. The program can reduce your debt but can have long-term implications for your credit scores.

CuraDebt Visit Site

Specifications and Benchmarks


Eligible States
Minimum Required Debt
Minimum Per Account

Company Accreditations


Cost & Fees

Program Time Frame
36-48 months
Average Debt Reduction
Fee for Debt Reduced
Debt Calculated
No Monthly Fee

Customer Experience

Customer Service
Mobile Management
In-house Negotiations
Customer Dashboard