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Curadebt Review

Sunday, October 17th

2021 Debt Relief Company Reviews

Curadebt Review 4.5 Star Rating

Curadebt

4.5 Star Rating
  • Free initial consultation
  • Can provide help with debts that include credit cards, personal loans, medical bills, collections and repossessions, business debts, IRS debt and back taxes
  • Minimum debt of $5,000 required
  • Fees only paid as debts are settled, typically less than 21% of total debt
  • "A+" rated by the BBB
  • Available in 34 states

CuraDebt got its start in 1996 in Irvine, California and has helped people nationwide with a variety of financial issues: debt relief, tax resolution, and many others. Currently headquartered in Hollywood, Florida (not California!), the company offers a free initial consultation with no obligation to sign up for paid services. More than 180,000 people have successfully used CuraDebt to take care of their unsecured debts.

Many different types of debt are eligible

What kind of debts do you have? CuraDebt can probably help with most of them. Their list of debts available for relief includes credit cards, IRS debt and back taxes, personal loans and lines of credit, business debts, medical bills, and collections/repossessions. In special cases, they can also help with lawsuits and student loans. The only kinds of debt that CuraDebt can't help you manage are utility bills, mortgage or home loans, auto loans and government loans.

Helpful info after registering

To see what CuraDebt can do for you, click the button that says "Get a free savings estimate" . Then use the slider to indicate your debt amount - it'll need to be at least $5,000 to be eligible, even though the slider goes down as low as $1,000 - and then select your state of residence. Provide your name, email address and phone number, and you'll be taken to a helpful intro video that explains more about their debt relief program. We like that potential clients have a hassle-free way to get some background information before speaking with a credit counselor. Settle in, though, because the video is 30 minutes long!

Call directly or wait to be contacted

From there, you can either call the toll-free number provided, or wait for a CuraDebt senior counselor to reach out to you. You'll receive a free consultation to review your financial situation. CuraDebt recommends that you have your credit score available prior to your phone meeting - which you can get through the link on the CuraDebt site. You also may be able to access if online from your bank account or a credit card provider.

Variety of debt relief solutions

Your advisor will work with you to design a personalized solution to your debt. The strategies used by CuraDebt may include debt consolidation, debt negotiation, debt settlement, and tax relief, depending on your circumstances.

Best Debt Relief Companies

No fees until debts are settled

What will it cost? CuraDebt charges no fees until a debt has been settled, and those will depend on how much debt is consolidated or discharged. Generally speaking, however, you can expect a savings of approximately 50%, with a net savings of around 30% after CuraDebt's fees are deducted. The process usually takes anywhere from 24-48 months to complete.

Lots of praise from clients

CuraDebt continues to have a positive reputation. Although the BBB hasn't yet accredited the company, they still give it an "A+" rating. Even more impressive is the nearly perfect 4.97 out of 5 stars average across all of the reviews left at the BBB. People have praised their counselors as friendly and knowledgeable, and that the debt relief process went exactly as expected with the promised results. Consumer reviews elsewhere confirmed that impression, with over 900 5-star reviews and lots of support for CuraDebt's services.

Check out how much people saved

If you really want to have some fun, go to the Results tab and browse the actual letters from clients to see their settlement amounts. Would you like to only pay $1,267 on a balance of $6,332.61 at Capital One? How about $1,244.49 on a balance of $12,444.96 at Chase Bank? We would! Those results are legitimate and can go a long way towards helping you get on solid financial ground again.

Smaller-than-average service area

One downside is that CuraDebt isn't available to all residents of the US. Since our last review, more states were added to the list of areas they don't serve, going from 11 up to 16. Those states include CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, WV and WY. Unfortunately, that means that now there are even fewer people who can take advantage of everything CuraDebt has to offer. There are other debt relief companies that work in all 50 states.

Super option - if your state is eligible

CuraDebt has everything you could want in a debt relief company. They're transparent with all of the ins and outs of their service and have a proven track record for helping clients with almost every type of debt. It's too bad that with their limited area, not everyone can take advantage of this fantastic debt relief program.

Who Provides the Best Debt Relief?

If you're facing an ever-increasing pile of "past due" notices, threatening letters from the IRS, and credit card statements where you're barely paying the interest, you're not alone. With unemployment rates reaching record highs, more people are struggling to make ends meet. The average American carries over $90,000 in debt, from student loans to mortgages, and it's easy to get in over your head.

Debt relief is the solution you need. It may sound like a gimmick or a scam, but rest assured that there are many reputable services that can help you reduce the amount of money you owe and help you get back on track financially. These programs typically work by negotiating on your behalf with credit card companies and other debtors, through strategies like debt settlement and repayment plans. Some of the best debt relief services work closely with you to create a solid plan for moving forward too, helping you to make sound financial decisions and hopefully avoid needing such measures in the future!

The Best Debt Relief Companies Compare Debt Relief Companies Compare Debt Relief Company Reviews What are the best Debt Relief Companies Best Debt Relief Company Reviews

Debt Relief Company FAQ

Debt relief is a process that helps people get out from under their ever-mounting financial obligations. This can be accomplished through Debt Negotiation, Debt Settlement, Debt Consolidation or Repayment Plans, among other strategies.
You'll need to have a certain amount of debt to be eligible for debt relief, which varies according to which relief service you choose. Some require a minimum unsecured debt of $7500, while others specify that you need to owe at least $10,000. Also, some debt relief providers aren't licensed in all 50 states - so you may be eligible for debt relief but the service you're considering isn't available in your state.
Believe it or not, many debt relief services are free! Most providers give you a no-cost consultation, analyzing your financial situation and making recommendations tailored to your needs. But, there are some fee-based services, especially if you want someone to negotiate with creditors on your behalf.
Many of the strategies used by debt relief providers can be done on your own, yes. But, in the amount of time it would take you to get up to speed and learn what those strategies are, you could be paying hundreds (or thousands!) of dollars in interest. It's almost always a smarter financial move to have the experts do the work for you.
The first step is usually the complimentary consultation, where a representative will go over your debt situation and find out your goals, needs and timeframe. From there, it will depend on which approach you decide to take - but, for the most part, the debt relief service will be in charge of contacting your creditors and working out the details for reducing what you owe.
No two consumers are alike - and debt relief strategies vary as well. Some services offer relief through a personal loan, allowing you to pay off high-interest debt with a lower-interest arrangement, so naturally your situation will change as soon as your loan is funded and used to reduce your monthly payments. On the other hand, if your service is negotiating with your creditors to reduce or eliminate what you owe, that can take several weeks to months.
Most of the time, there isn't. A few debt relief services offer a 100% customer satisfaction guarantee, allowing you to cancel your plan without fees or penalties. Read the fine print of any contract before you sign up, so you'll know exactly what's promised - and what isn't.
Debt relief may sound too good to be true, but it's a legal, well-known method for reducing the debt burden faced by many consumers. Although some fly-by-night services pop up from time to time, most companies offering debt relief have been in business for a decade or longer. You can always check for a company's listing with the Better Business Bureau for further confirmation that it's a trustworthy option for debt relief.
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Continued from above...

Are you eligible for debt relief? The criteria vary by provider, but you probably need to have at least $5,000 in total debt owed across all categories (taxes, credit cards, auto payments, and so on). Also, be aware that some "debt relief" is structured as a personal loan: you use the proceeds to pay off multiple accounts and consolidate what you owe into a single monthly payment. In that case, the ball is in your court and you won't necessarily get any financial coaching or have professionals working to renegotiate what you owe.

Which debt relief program is best for you? That depends on several factors, such as the type of debt you owe and how much, as well as your credit history and ability to qualify for a loan. Here are several features to keep in mind as you evaluate your options for debt relief:

  • Approach. How does the debt relief provider help reduce or eliminate your debt? Some companies actually reach out to your creditors to get them to agree to a smaller payback amount, while others give you a loan so that you can pay off your debts on your own. It's worth considering multiple strategies to find the one that will be in your best interest.
  • Fees. Will you pay anything for the debt relief plan being offered? If it's a personal loan used to clear debts, what will you pay in interest and origination fees?
  • Reputation. What do other clients say about their experience with the debt relief service? Is the company trustworthy? Look for strong positive reviews from people who have actually used the program, as well as a good rating from the Better Business Bureau.

TopConsumerReviews.com has evaluated and ranked the most popular debt relief programs available today. We hope this information helps you get out from under your mountain of debt and gain the peace of mind that comes from knowing you're on the right track financially.

Compare Debt Relief Companies

Select any 2 Debt Relief Companies to compare them head to head

best-debt-relief-companies
  • National Debt Relief
  • Credit.org
  • Upstart
  • Curadebt
  • Liberty Lending
  • LendingTree
  • SoFi
  • SuperMoney
  • LendingClub
  • Payoff
  • American Debt Enders
  • Debt Consolidation Care
National Debt Relief vs Credit.org National Debt Relief vs Upstart National Debt Relief vs Curadebt National Debt Relief vs Liberty Lending National Debt Relief vs LendingTree National Debt Relief vs SoFi National Debt Relief vs SuperMoney National Debt Relief vs LendingClub National Debt Relief vs Payoff National Debt Relief vs American Debt Enders National Debt Relief vs Debt Consolidation Care Credit.org vs Upstart Credit.org vs Curadebt Credit.org vs Liberty Lending Credit.org vs LendingTree Credit.org vs SoFi Credit.org vs SuperMoney Credit.org vs LendingClub Credit.org vs Payoff Credit.org vs American Debt Enders Credit.org vs Debt Consolidation Care Upstart vs Curadebt Upstart vs Liberty Lending Upstart vs LendingTree Upstart vs SoFi Upstart vs SuperMoney Upstart vs LendingClub Upstart vs Payoff Upstart vs American Debt Enders Upstart vs Debt Consolidation Care Curadebt vs Liberty Lending Curadebt vs LendingTree Curadebt vs SoFi Curadebt vs SuperMoney Curadebt vs LendingClub Curadebt vs Payoff Curadebt vs American Debt Enders Curadebt vs Debt Consolidation Care Liberty Lending vs LendingTree Liberty Lending vs SoFi Liberty Lending vs SuperMoney Liberty Lending vs LendingClub Liberty Lending vs Payoff Liberty Lending vs American Debt Enders Liberty Lending vs Debt Consolidation Care LendingTree vs SoFi LendingTree vs SuperMoney LendingTree vs LendingClub LendingTree vs Payoff LendingTree vs American Debt Enders LendingTree vs Debt Consolidation Care SoFi vs SuperMoney SoFi vs LendingClub SoFi vs Payoff SoFi vs American Debt Enders SoFi vs Debt Consolidation Care SuperMoney vs LendingClub SuperMoney vs Payoff SuperMoney vs American Debt Enders SuperMoney vs Debt Consolidation Care LendingClub vs Payoff LendingClub vs American Debt Enders LendingClub vs Debt Consolidation Care Payoff vs American Debt Enders Payoff vs Debt Consolidation Care American Debt Enders vs Debt Consolidation Care
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