At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About CuraDebt
CuraDebt is one of the few debt relief companies in the U.S. that operates across two entirely different regulatory and negotiation frameworks: consumer debt settlement (governed by FTC rules, negotiated with banks and collection agencies) and tax debt resolution (governed by IRS Circular 230, handled by enrolled agents and tax attorneys). Founded around 2000 and headquartered in Hollywood, Florida, the company has resolved over $1 billion in combined obligations. For consumers juggling both credit card debt and IRS back taxes — a surprisingly common situation after a business failure, divorce, or prolonged unemployment — CuraDebt eliminates the need to hire and coordinate between two separate firms. On the consumer debt side, CuraDebt operates a standard performance-based settlement model: you stop paying creditors, build up an escrow fund, and their negotiators settle accounts for less than the full balance. Their fee range of 15-23% is competitive with larger players, and their low minimum ($5,000) makes them accessible to clients who do not qualify at Freedom ($7,500 min) or ClearOne ($10,000 min). On the tax side, CuraDebt employs IRS-licensed enrolled agents who can represent clients in front of the IRS, negotiate installment agreements, submit offers in compromise (OIC), and resolve penalty and interest disputes. The tax resolution division charges flat fees rather than performance-based percentages, and timelines are typically 3-12 months — much faster than the consumer debt side. The main limitation is scale. With 50-100 employees, CuraDebt cannot match the creditor leverage or technological infrastructure of Freedom or National Debt Relief. They are also not available in all 50 states (currently covering 40+ states on the consumer side). However, for clients whose debt profile includes both consumer and IRS obligations, the convenience and cost savings of a single-provider approach often outweigh the leverage advantage of a larger firm. CuraDebt holds thousands of verified client reviews and is accredited by both IAPDA and AFCC.
Key Features
Consumer & Tax Debt Under One Roof
If you owe the IRS and Visa, you do not need two separate companies. CuraDebt handles both consumer debt settlement and tax resolution, which saves you from juggling providers.
Enrolled Agents on Staff
Their tax team includes IRS-licensed enrolled agents — people authorized to represent you directly before the IRS. They know IRS installment agreements, offers in compromise, and penalty abatement inside and out.
Low Minimum Debt Requirement
Most settlement companies want \$7,500 or \$10,000 minimum. CuraDebt starts at \$5,000, which opens the door for people other firms turn away.
Free Debt Analysis
The free consultation looks at everything — credit cards, personal loans, IRS debt, state taxes — so you get one plan for the whole mess, not piecemeal advice.
How It Works
Free Debt Analysis
A specialist looks at your consumer debt, tax debt, or both and lays out your real options — not a sales pitch, an actual analysis.
Program Selection
You decide: consumer settlement, tax resolution, or both at once. They will tell you which path makes the most financial sense for your situation.
Monthly Deposits
You start depositing into an FDIC-insured escrow account. The money stays in your name — you control it throughout the process.
Negotiation & Resolution
Their negotiators work your credit card debts while enrolled agents handle the IRS. Both run in parallel, so you are not waiting on one to start the other.
Program Completion
Consumer debts get settled, tax obligations get resolved, and you walk away clean on both fronts.
What They Do
- Debt Settlement
- Tax Debt Resolution
- IRS Negotiation
- State Tax Resolution
- Financial Counseling
Debt Types They Take On
- Credit Cards
- Medical Bills
- Personal Loans
- IRS Tax Debt
- State Tax Debt
- Collections
- Store Cards
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Combined IRS Tax Debt and Credit Card Settlement
Self-employed graphic designer owed \$28,000 across 4 credit cards (accumulated during a slow period) and \$18,000 to the IRS for two years of underreported self-employment income. The IRS had placed a federal tax lien on the client's bank account. The client needed a single firm to address both because managing two separate providers was overwhelming. CuraDebt's enrolled agent team handled the IRS case in parallel with the consumer settlement team.
Medical Debt with State Tax Arrears
Client had \$22,000 in medical collection debt from an emergency surgery and \$9,500 in unpaid state income taxes after a contentious divorce left them responsible for two years of joint-filing arrears. The medical collectors were threatening a lawsuit, and the state had begun wage garnishment proceedings. CuraDebt's dual expertise allowed simultaneous resolution.
Pros & Cons
Pros
- Only major debt relief company that handles both consumer debt settlement and IRS/state tax resolution under one roof, eliminating the need to coordinate between two separate providers
- Low minimum debt requirement (\$5,000) makes settlement accessible to clients who do not meet the \$7,500-\$10,000 minimums at Freedom, NDR, or ClearOne
- IRS-licensed enrolled agents on staff can represent clients directly before the IRS, negotiate offers in compromise, and resolve tax liens — a capability most settlement companies lack entirely
- 25+ years in continuous operation with only 22 CFPB complaints over the last 3 years, reflecting a remarkably low complaint rate relative to client volume
- Consumer debt fee range of 15-23% is at the lower end of the industry standard, and tax resolution uses predictable flat fees rather than percentage-based pricing
Cons
- Smaller team of 50-100 employees means less creditor leverage than Freedom (2,500+ employees) or ClearOne (500-1,000), which may result in slightly higher settlement percentages on certain accounts
- Not available in all 50 states for consumer debt settlement — currently covers 40+ states, so residents of certain states may not qualify
- Fewer total client reviews (2,100+) make it harder to assess consistency compared to National Debt Relief (25,000+) or Freedom (42,000+)
- Tax resolution and consumer debt settlement are billed separately with different fee structures, which can create confusion about total program cost for clients enrolling in both
User Reviews (10)
IRS bill cut way down
Owed 36k to the IRS. Their enrolled agent got the actual liability down then submitted an OIC. From 36k to under 10k in 16 months. The enrolled agents understand IRS procedures at a level regular settlement reps don't.
fees are a little higher
Quoted 21% vs NDR's 19%. For consumer-only debt NDR is probably better value. For combined consumer + tax CuraDebt's premium is justified since nobody else does both.
full Spanish service
My father speaks only Spanish. They assigned a native-speaking counselor for his entire case. Not a translation line - a real person. Shoutout to counselor Miguel who explained everything in his language. Settled in 26 months.
hold times are brutal
Average hold time 12-18 minutes. Once I got through the service was good but 15 minute waits in 2025 is rough. Email was faster at 24-48 hours.
would recommend
would recommend
not all states
About 40 states only. My brother in New Hampshire couldn't use them. For a company with 24 years of history the geographic limits seem unnecessary. At least publish which states.
handled vendor debt from my restaurant
Had food supplier debts plus personal credit cards. Most companies said we only do consumer. CuraDebt handled both. Everything resolved in 22 months.
negotiator went on VACATION with no backup
Had 3 settlement offers pending. Tried reaching my negotiator for 4 days. He was on VACATION and nobody was covering his accounts. 4 days on time-sensitive offers?? Eventually someone stepped in but bigger firms don't have this problem.
ok I guess
Based in Florida so I liked that they were local. Handled both my credit card debt and a state tax issue at the same time. Done in 22 months.
IRS case took 22 MONTHS not 6-12
Quoted 6-12 months for the IRS case. Actual: 22. Initial OIC rejected. Appeal denied. Revised OIC finally accepted. Throughout CuraDebt kept saying "this is normal IRS timeline." If 22 months is NORMAL then don't QUOTE 6-12!!!! My consumer debts settled on time. The tax side was the problem and they low-balled the estimate hard.
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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.
- Alternatives to debt settlement include debt consolidation loans, credit counseling through nonprofit agencies, debt management plans, and bankruptcy. Consider all options and consult with a licensed financial advisor or attorney before enrolling in any 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.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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