CuraDebt Review 2025: Fees, Process & How Does It Work

— Review updated Aug 2025

Written by Sam Onelia

- Aug 9, 2025

Reviewed by Ricardo Laizo

Curadebt is an established debt relief company offering settlement services for various types of unsecured debt.

While their success rates appear solid and they maintain positive customer service ratings, their fee structure is relatively expensive.

The inherent risks of debt settlement, including credit score damage, potential tax consequences and creditor lawsuits, remain significant concerns.

Best suited for consumers with substantial debt who cannot qualify for debt consolidation loans.

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CuraDebt At glance

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Written by

Sam Onelia

Company name

CuraDebt

Website

https://www.curadebt.com

Phone

1-877-850-3328

Email

info@curadebt.com

Address

3333 S Congress Ave, Suite 304, Delray Beach, FL 33445

Pricing

Curadebt charges no upfront fees, which is positive, but their success fees typically range from 20-25% of the enrolled debt amount or the amount saved through settlements. This percentage is on the higher side compared to some competitors.

Customer Support

Customer reviews frequently mention positive experiences with their support team's knowledge and helpfulness, particularly during the enrollment process and settlement negotiations.

Terms and Flexibility

Their debt settlement programs typically run 24-48 months depending on individual circumstances. Terms are clearly explained during consultation, including the risks to credit scores and potential tax implications of debt forgiveness.

Customer Experience

While customers often praise CuraDebt’s patient, step-by-step guidance and smooth enrollment (Trustpilot ~4.9/5), these positives are tempered by recurring complaints about slow/limited support (esp. over email), unclear fees and state availability.

Pros & Cons

  • A+ BBB Accreditation & Strong Recent Reviews: CuraDebt holds an A+ BBB rating (accredited Jan 31, 2025) and recent Trustpilot reviews skew highly positive.

  • Low Minimum to Qualify: You can start with as little as $5,000 in unsecured debt (lower than many competitors) making it more accessible.

  • No Upfront or Monthly Fees (Performance-Based): Bankrate and Finder note fees are charged after results and are typically ~20% or less of enrolled debt.

  • Debt + Tax Relief Under One Roof: CuraDebt offers traditional debt settlement plus IRS/state tax debt relief, so you don’t need separate providers.

  • Recognized Affiliations & Licensing Signals: Bankrate lists CuraDebt as an AFCC member; the company also cites IAPDA-certified counselors and shows a Virginia debt-settlement license (DSP-13).

  • Limited State Availability: CuraDebt doesn’t provide debt-settlement services directly in numerous states (e.g., CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, WV, WY), and may refer you to a law firm instead.

  • Fees Add to Total Cost & Transparency Critiques: Third-party reviewers say costs are typically around ~20% of enrolled debt and note limited fee transparency on the website.

  • Credit & Legal Risk During Programs: CuraDebt discloses that enrollment can harm credit and may involve collections or lawsuits while you pause payments to build settlement funds.

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