CuraDebt Review July 2026
Get rid of your debt faster with debt relief
Take the first step towards a debt-free life with personalized debt reduction strategies.
Get rid of your debt faster with debt relief
Choose your debt amount
Or speak to a debt consultant 844-731-0836
At Bills.com, we strive to help you make financial decisions with confidence. While many of the products reviewed are from our Service Providers, including those with which we are affiliated and those that compensate us, our evaluations are never influenced by them.
Best for: People who want free help comparing options
CuraDebt is based in Hollywood, Florida, and operates as CuraDebt Systems, LLC. Founded in 1996, it markets itself on roughly 25 years of experience in debt and tax relief. (BBB's public record separately lists the LLC's own incorporation/registration date as 2008, a distinct fact from when the business started operating.) Since March 2026, it's a free referral service. It matches consumers with independent providers for consumer debt, IRS/state tax debt, and business or MCA debt. Founder Eric Pemper remains the company's managing member.
| Type of Debt Settled | Handled by whichever independent provider you're matched with. Credit card debt, personal loans, medical bills. Some private student loans. Business/MCA debt. IRS or state tax debt. |
|---|---|
| Program Length | Not published by CuraDebt directly since the March 2026 shift; set by the matched provider. CuraDebt's own former direct-service program ran 24 to 48 months. |
| Customer Service Hours | Monday to Friday, 9 a.m. to 5 p.m. ET. |
| Coverage | Not published under the current referral model. Submit a free inquiry to check your eligibility, including state availability. |
| Accreditation | Member of the Association for Consumer Debt Relief (ACDR). Formerly known as AADR. Connects consumers with IAPDA-affiliated professionals. |
Key features- Free to use: CuraDebt doesn't charge consumers anything for the matching or review process.
- 25 years in debt and tax relief: CuraDebt was founded in 1996 and draws on that history to inform its matching criteria.
- Matches across three debt categories in one inquiry: consumer debt, IRS/state tax debt, and business/MCA debt.
- Soft credit check only: submitting an inquiry doesn't affect your credit score.
- A+ rating with the Better Business Bureau and a 5-star Trustpilot score from 217 reviews.
- Reachable by phone, live chat, and a web-based client portal, with a physical office in Hollywood, FL.
CuraDebt: Top features
CuraDebt has over 25 years in debt and tax relief. In 2026, the company changed from a debt settlement provider to a debt settlement matching service. Learn how debt settlement works before you submit an inquiry.
- Established company. Founded in 1996, CuraDebt is based in Hollywood, Florida.
- Program length. CuraDebt matches you to debt settlement providers, so the program length depends on your situation and who you work with.
- Eligible debts. Matched providers could handle:
- Credit card debt, personal loans, medical bills
- Some private student loans
- Business/MCA debt
- IRS or state tax debt
- Ratings and accreditation. A+ with the BBB. 4.89/5 from BBB customers. 5-star Trustpilot score. Member of the Association for Consumer Debt Relief (ACDR), formerly AADR. Connects consumers with IAPDA-affiliated professionals.
- Free service. Your inquiry is free and uses only a soft credit check.
- No upfront fees. The matching service costs nothing. And by law, no provider can charge a fee until you agree to a settlement and make a payment.
How it's different from a direct provider: National Debt Relief and Freedom Debt Relief negotiate your settlement themselves. CuraDebt refers you to providers in your state. They do the actual negotiating.
Is CuraDebt legit?
CuraDebt is a legitimate, long-operating company, though its business has changed. It's an ACDR member. It connects consumers with IAPDA-affiliated professionals.
We checked the CFPB's enforcement database and FTC case trackers. No enforcement action, lawsuit, or state attorney general action names CuraDebt or CuraDebt Systems, LLC as of this review (July 2026).
Worth knowing: most published reviews describe CuraDebt's former debt settlement service, not its current matching service. The switch happened in March 2026, so those reviews may be less meaningful. It’s worth learning how to tell if a debt settlement company is legit.
Ratings table
| Platform | Rating | Reviews |
|---|---|---|
| BBB | A+ (letter grade); 4.89/5 customer review rating | 27 customer reviews |
| Trustpilot | 5-star TrustScore | 217 reviews |
CuraDebt pros and cons
- Free to use: no cost to submit an inquiry or get matched.
- Matches across consumer, tax, and business/MCA debt in a single inquiry.
- A+ rating with the Better Business Bureau.
- 5-star Trustpilot score from 217 reviews.
- 25+ years in the debt and tax relief industry, since founding in 1996.
- Soft credit check only, so an inquiry shouldn't affect your credit score.
- Minimum debt, fees, and state availability aren't published. You'll only learn them after submitting an inquiry.
- The service quality varies by matched provider: CuraDebt vets its network, but it's not the company doing your actual settlement work.
- Most published CuraDebt reviews describe its old settlement service, not its current matching service.
How much does CuraDebt cost?
CuraDebt doesn't charge consumers anything to use its matching service. It may get paid by the providers it refers you to. Your matched provider sets its own fees, so there's no single CuraDebt fee anymore.
Industry-wide, debt settlement fees commonly run 20% to 25% of enrolled debt. Providers charge that fee only after a settlement is reached and a payment made.
Example, $20,000 enrolled debt settled for $10,000:
- Fee (20% to 25%): $4,000 to $5,000
- Forgiven amount ($10,000): generally taxable income, unless you were insolvent when it was forgiven.
On savings: CuraDebt's own site says settlements often land somewhere around 40% to 60% of the balance. Outcomes vary by creditor and aren't guaranteed, so your savings might be different.
Important considerations when choosing debt settlement
Under federal law, a debt settlement provider can't charge you a fee until you agree to a settlement and make a payment. You're never obligated to work with a provider. Debt settlement also carries real trade-offs, no matter which company you choose. See is debt relief a good idea for your situation to compare it with other options.
Credit score damage
Debt settlement usually means missing payments while funds build up. That can seriously hurt your credit score. The National Consumer Law Center cites a median drop of about 161 points within six months of starting a plan. And a settled account can stay on your credit report for about seven years from the first missed payment.
Taxes on forgiven debt
Forgiven debt is taxable income if you’re not insolvent. That means your debts are more than the value of everything you own. If everything you own has a current value of $100,000, and your debts total $120,000, you could get up to $20,000 in debt forgiven, tax-free. ($120,000 debt minus $100,000 assets equals $20,000.) This IRS worksheet shows you how to check.
Lawsuit risk
Debt settlement doesn't stop lawsuits like bankruptcy does. Creditors may still call, send letters, or sue while you're enrolled. The CFPB warns that working with a debt settlement company may lead to a collection lawsuit. See debt settlement pros and cons to compare trade-offs, or this debt management plan guide if a DMP fits better.
CuraDebt customer service and satisfaction
Positive reviews often mention staff who explain the process clearly and patiently. Some recent negative reviews describe confusion about who was handling an account after being moved to a partner firm. CuraDebt's response says affected clients were notified by email in advance.
Worth knowing: most reviews predate the March 2026 shift, so they mostly reflect the old debt settlement business, not today's matching service.
Where is CuraDebt available?
CuraDebt doesn't publish a list of states where it offers its matching service. To find out if a provider is available where you live, you'd need to complete CuraDebt's inquiry form.
How do I contact CuraDebt?
- Phone: 877-850-3328, Monday to Friday, 9 a.m. to 5 p.m. ET
- Address: 4000 Hollywood Blvd, Suite 555-S, Hollywood, FL 33021
- Email: CuraDebt lists three separate addresses on its Contact page: one for new clients, one for current clients, one for concerns.
- Live chat: available directly on CuraDebt's site.
- Online portal: yes, a web-based client portal, plus a separate “Current Client Logon” link in the site's main navigation.
- Mobile app: no evidence of a dedicated mobile app found; the portal is web-based only.
Milestones
- 1996: CuraDebt says the company got its start this year.
- 2001: CuraDebt was established under its current name.
- March 2026: CuraDebt changed from directly handling debt settlements to matching consumers with independent providers.
Get rid of your debt faster with debt relief
Take the first step towards a debt-free life with personalized debt reduction strategies.
Choose your debt amount
Or speak to a debt consultant 844-731-0836