At a Glance
Rating Breakdown
About CuraDebt
Founded in 2000 and headquartered in Hollywood, Florida, CuraDebt is one of the longest-operating debt relief companies in the United States. With over two decades of experience, they have built a strong reputation for handling a wide range of debt types including credit card debt, medical bills, business debt, and IRS tax debt. CuraDebt distinguishes itself from competitors by offering both consumer debt settlement and tax debt relief under one roof. Their enrolled agents and tax professionals can negotiate directly with the IRS, making them a compelling choice for clients dealing with multiple debt categories simultaneously.
Key Features
Tax Debt Expertise
Unlike most settlement companies, CuraDebt has dedicated enrolled agents and tax professionals who negotiate directly with the IRS on offers in compromise, installment agreements, and penalty abatement.
Business Debt Programs
CuraDebt offers specialized programs for small business owners struggling with commercial debt, including merchant cash advances, business loans, and vendor payables.
Bilingual Services
Full-service support is available in both English and Spanish, making CuraDebt accessible to a broader client base.
No Upfront Fees
CuraDebt adheres to FTC guidelines and charges no fees until a debt has been successfully negotiated and settled on the client's behalf.
Free Debt Consultation
Every prospective client receives a comprehensive financial analysis at no cost, with a customized plan tailored to their specific situation.
How It Works
Free Consultation
A certified debt counselor reviews your full financial picture, including consumer and tax debts.
Program Enrollment
Select which debts to enroll and choose between settlement, tax relief, or combined programs.
Escrow Deposits
Begin making affordable monthly deposits into a dedicated FDIC-insured escrow account.
Creditor Negotiation
CuraDebt's team negotiates with creditors and/or the IRS to reduce your balances.
Settlement & Resolution
You approve each settlement before payment is made. Fees are only charged on successfully resolved debts.
Services Offered
- Debt Settlement
- Tax Debt Relief
- Business Debt Relief
- Debt Negotiation
Debt Types Handled
- Credit Cards
- Medical Bills
- Business Debt
- Tax Debt (IRS)
- Personal Loans
- Collections
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Combined Consumer & Tax Debt
Client with $52K in credit card debt and $28K in IRS back taxes enrolled in a combined program.
Pros & Cons
Pros
- 20+ years of industry experience
- Handles both consumer debt and IRS tax debt
- Specialized business debt programs
- Bilingual support (English and Spanish)
- A+ BBB rating with low complaint volume
Cons
- Smaller company with limited staff capacity
- Not available in all 50 states
- Less brand recognition than larger competitors
User Reviews
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Frequently Asked Questions
Related Companies
Important Debt Relief Disclaimers
- Debt settlement programs may negatively affect your credit score. When you enroll, you typically stop making payments to creditors, which results in late payments, collections, and potential charge-offs on your credit report.
- There is no guarantee that a debt settlement company can settle all of your debts or reduce them by a specific amount. Creditors are not required to negotiate or accept settlement offers.
- Debt settlement fees are typically 15%-25% of the enrolled debt amount. You should not pay fees before a debt has been successfully settled. The FTC prohibits debt settlement companies from charging upfront fees before settling at least one debt.
- Forgiven debt of $600 or more may be considered taxable income by the IRS. You may receive a Form 1099-C from creditors for canceled debt. Consult a tax professional about potential tax consequences.
- Creditors may continue collection efforts, including lawsuits, wage garnishment, and bank levies, while you are enrolled in a debt settlement program. A debt settlement company cannot guarantee protection from legal action.
- Tax debt relief results vary based on individual circumstances. The IRS is not obligated to accept offers in compromise or installment agreement proposals. Consult with a qualified tax professional before enrolling in any tax debt relief program.
- Zogby does not provide debt relief services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
The information provided on this page is for educational purposes only and should not be considered financial, legal, or tax advice. Always consult with qualified professionals before making financial decisions.
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