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PROS: CuraDebt has a great reputation within the industry for its ethical practices.
CONS: Unlike many industry leaders, monthly service charges detract from CuraDebt customer value.


CuraDebt has a great reputation – if you’re looking for a company well known for ethical standards and good business practices, this is a great option. This being said, monthly service charges increase the cost of debt settlement and mean that you may end up paying for a lack of results.


CuraDebt has over 15 years of experience helping customers sort out their high-interest debt problems. Outside of ethical standards, the most important factor when choosing the right settlement company is the costs associated with the process. The most cost efficient settlement companies will exhibit a combination of low fees and high reduction rates.

CuraDebt fees depend on the exact situation. Typically, you will have to pay around 20 percent of the total amount owed once a settlement is agreed. CuraDebt typically reduce their client debt by around 30-50 percent, meaning that your average real debt reduction rate will be around 10-30 percent depending on the specific circumstance. This fee will not be payable if you don’t receive any settlement.

The major downside of CuraDebt comes in the form of a small monthly service fee. While this is not a large amount, it does mean you are responsible for paying a monthly figure while negotiations go on. If a settlement is not agreed, you will not receive a refund of this monthly fee. This is slightly disheartening as many other industry leaders do not charge their clients any fees aside from the settlement fee. It is important to note that CuraDebt does not require any upfront fee, meaning that you do not have to pay anything to get the settlement process started. You should contact CuraDebt for an exact breakdown of their associated costs.

Eligibility and Process

In order to use CuraDebt for debt settlement, you must have at least $7,500 in unsecured debt. This may not seem like a large amount, but there are other services that have little to no minimum if you’re trying to settle a small amount of debt. Eligible debt includes almost any form of unsecured debt – although this mainly includes credit card debt for most clients. Once you decide to pursue a debt settlement plan with CuraDebt, give their hotline a call or head online for a free quote. They will discuss your eligibility and explain the entire process prior to you signing on for their services.

Once you decide on CuraDebt as your settlement partner, they’ll set up an FDIC-insured fund in your name that you will begin depositing money into. Depending on how much you owe, and your particular financial situation, CuraDebt will advise you on how much you should be depositing into your account on a monthly basis. Debt settlement is a long process, it normally takes individuals between 2-4 years to fully settle their debt. Make sure you are fully aware of the associated time frames before taking on the settlement process. You’ll want to have an in-depth discussion with CuraDebt regarding timelines.

Customer Satisfaction and Experience

Customer experience with CuraDebt is a bit of a mixed bag. Their customer service team is great and knowledgeable regarding the entire process. They have great reviews online with a range of different consumer websites – you can find some past client reviews if you Google their company name.

On the other hand, their website can be slightly difficult to navigate. You might find that certain tabs don’t lead to the exact information you’re looking for. This being said, there are some great resources on their site that fully explain the process and give you a true understanding of debt settlement consequences and benefits. In this regard, they are a transparent company.

Company Information and Certification

One of CuraDebt’s biggest draw cards is their ethical practices. They adhere to FTC regulations and are also members of the regulatory body IAPDA. Their commitment to good business practices has resulted in relatively few complaints throughout the duration of their activity in the industry. If you’re looking for an ethical company, this is one of the top choices available.


CuraDebt is an ethical company with a great reputation in the industry. They adhere to strict business practices and are transparent about their operational methods. This being said, a monthly service charge greatly detracts from their value. If you want to work with a company that doesn’t make you pay unless a settlement is reached, other industry leaders may be the better options.