CuraDebt Review

8.3

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CuraDebt

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CuraDebt Reviews

8.3

WRITTEN BY

Steven Walters

Debt relief for unsecured loans

About CuraDebt

Formed in 1998 in Irvine, California, CuraDebt brings 20+ years of experience in providing solutions to alleviate debt. Their counselors come from a diverse background, from financial planning and CPAs to business owners and more.

While their specialty lies in working with creditors to renegotiate debt balances, you can also look to CuraDebt for debt loans. CuraDebt has lending partners that offer loans specifically for consolidating debt, but requirements are a bit strict compared to competitors.

8.5

LS SCORE

8.0

CREDIBILITY

8.0

SUPPORT

8.0

ACCESSIBILITY

Debt Relief
Tax Relief

Debt Relief
Tax Relief

CuraDebt Debt Relief Review

CuraDebt works with its clients to create a debt settlement plan that can help most people become debt free from their unsecured debts within 24 to 48 months. There are no upfront fees to get started, and the company provides a free consultation to learn how much you can save through debt settlement and decide if it’s the right course for you. In addition to unsecured debts like credit cards, CuraDebt can also help with tax debts, and private student loans. CuraDebt also promises to maximize creditor violations in order to help reduce amounts owed and help clients get cash settlements.

CuraDebt Debt Relief Highlights

LOAN REPAYMENT TERM

24 - 48 months

MIN CREDIT SCORE

700+

ORIGINATION FEE

None

PREPAYMENT FEE

None

OTHER FEES

N/a

SOFT CREDIT PULL

Yes

LENDER TYPE

Marketplace

Pros & Cons

Well established company
Many positive online reviews
Free consultation and quote

Must have a consultation to get details regarding loan amounts, fees, etc.
Not available in every state
No support on Sunday

Debt Consolidation Types

Debt relief consultation service
Debt consolidation loans

CuraDebt Debt Relief Terms & Requirements

CuraDebt offers debt settlement, debt consolidation, and debt relief services. They work through a network of lending partners and the terms of loans and settlements are not disclosed on their website. If, after consulting with you, they think debt consolidation is the best course of action and you meet the requirements, they’ll submit your information to their partner lenders. If they feel that other options will be better, they’ll explain why as well.

The best way to learn more about their services is to call them directly or fill out their Get Your Free Savings Estimate form on their homepage so they can get in touch with you.

How to Apply

The quote and application process begins on the CuraDebt website, where you can fill out a very brief form.

Once you submit the form you are instructed to call to speak with a CuraDebt senior counselor for a full evaluation and quote.

Step 1

Find out how much you could save

Qualification Requirements

There are different qualification requirements depending on the service you choose, but below are the requirements for a debt loan with CuraDebt partner lenders:

Loan Requirements

Must be a US citizen or permanent resident.
Must have a bank account and $4,000 monthly income.
700 credit score minimum.
No late payments in the past two years.
Nothing in collections.

Loan Terms

Loan amounts vary depending on the lender.
APR ranges from 8% – 18%.

Repayment Terms

Varies depending on the lender.

Required Information

The quote and consultation process begins by filling out the online form on CuraDebt’s website. You’ll be asked for your name, email address, phone number, amount of debt, and the state you live in. Once you submit the form you’re asked to contact CuraDebt via telephone to speak with a counselor. They do not specify what information will be needed for this consultation, but it is safe to assume you’ll need the following at a minimum:

Name
Address
Date of birth
Proof of identity (Driver’s license, passport, ID card)
Phone number
Credit score
Social security number
Bank account information
Proof of income
Debt documents

Application Steps & Time Frames

CuraDebt doesn’t have any specifics regarding the onboarding process listed on their website. To get more details on the debt consolidation program and whether you qualify you must speak with a debt counselor over the phone or in person at their Florida offices. During the consultation process, you’ll be asked a series of questions regarding your current debts and financial situation to determine if CuraDebt’s services are right for you. If you do qualify, they will make a debt settlement plan for you and provide instructions on how to begin saving for future debt settlement. On average, they claim it takes 24 to 48 months to pay off all your unsecured debts. Note that acceptance into their program is dependent on meeting the requirements of their lenders.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Texas, Virginia, Washington, Wisconsin, Wyoming.

Not Available - Connecticut, Hawaii, Idaho, Kansas, Louisiana, Maine, Montana, Nevada, New Hampshire, Oregon, South Carolina, Tennessee, Utah, Vermont, West Virginia.

CuraDebt Tax Relief Review

CuraDebt has a team of tax experts with over 60 years experience in resolving both Federal and State tax debts. They can help with most tax debt situations and have numerous relief options available. Their services are available in every U.S. state with the exception of Pennsylvania, so they are a good option no matter where you live.

CuraDebt Tax Relief Highlights

MIN TAX DEBT REQUIRED

FREE CONSULTATION

Yes

POTENTIAL EXTRA FEES

Yes

MONEY BACK GUARANTEE

Yes

BBB RATING

A+

Pros & Cons

Experienced team of debt professionals.
Handles almost any type of tax issues.
Over 20 years experience.

Must go through consultation to learn more about your tax debt relief options.
No mobile app available
Fee structure for tax relief is unclear.

Tax Relief Service Types

Currently Not Collectible Cases
Installment Plans
Dealing with the IRS
Innocent Spouse Relief
IRS Tax Discharge
IRS Tax Expiration
Levy Release
Offer in Compromise
Payroll Tax Debt Relief
Penalty Abatement
Stop Wage Garnishment
Tax Lien Removal
Tax Preparation and Planning
Unfiled Tax Returns
Audit Representation
Fresh start IRS program
Federal tax
State tax
PPIA
OOIC

In-House Professionals

Tax Attorneys
CPAs
Enrolled Agents

Brand Certifications & Organizational Memberships

NATP

Type of Fees

Flat rate

Associated Fees

CuraDebt works on a flat rate fee, and there are no additional or hidden fees once the case is taken and an agreement is signed.

Application & Handling Process

The application process begins with submitting the online form to request a free consultation.

Step 1

Curadebt: Tax Debt Relief Video

Once that is submitted you are asked to call to speak with a tax account executive for a free quote.

Required Information

You can start the quote request process easily online. The short form begins by asking for your name, email address, phone number, tax debt amount, and the state you live in. You must also agree to be contacted by CuraDebt via telephone, email, or SMS. Once you submit that form they ask you to call them to speak with a tax account executive for a free quote. There are no details at this point regarding other documents that you might need to provide.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Not Available - Missouri, Pennsylvania.

Privacy & Security

CuraDebt is an accredited member of the American Fair Credit Council (AFCC) and is a certified member of the International Association of Debt Arbitrators (IAPDA). Their Privacy Policy states that they maintain the latest encryption standards to protect user data, and that they don’t give this information to third parties without your consent.

Customer Support

CuraDebt makes it very easy to get answers to your questions, with support staff available via telephone, email, live chat, or you can visit their offices in Florida if you happen to be in the neighborhood. We chose to contact them via telephone, email, and chat to see how responsive they are, and how well they were able to answer some basic questions regarding their services.

We found that the response was quick for all three contact methods, although we did wait several days for an email response. If you need a quick answer it’s best to contact them on the telephone or via the live chat link on their website. Note that support staff is available 9:00 – 20:00 EST during the week, with limited Saturday hours. They are closed on Sunday.

In each interaction we found the staff to be knowledgeable and professional, however they did seem most interested in scheduling a consultation. That’s understandable, since that’s how they get new clients. Overall the support from CuraDebt was among the best we’ve encountered.

Phone Support

1-877-850-3328

Mon-Fri

9am-8pm

Sat

10am-3pm

Sun

Closed

Email Support

counselors@curadebt.com

Social Media

In Conclusion

The good thing about CuraDebt is that they’re a well-established firm, having been around for nearly two decades, and they have solid accreditations. Many companies touting solutions to alleviate debt can come off as a bit sketchy, but CuraDebt has generally positive reviews online.

We feel it may be worth scheduling a free consultation to see what options are available to handle your debt, or if another one of their services is more suitable to your financial situation.

FAQ

How much does CuraDebt cost?

There is no charge for consultations. If you do employ CuraDebt for debt relief or tax relief the cost is 20% of the settled debts, which is within industry averages.

How long will it take to settle my debt?

CuraDebt says that on average it will take 24 to 48 months to relieve your debts, although the actual time will be dependent on each individual case.

How much can I save with CuraDebt?

CuraDebt claims debt relief in the range of 50% to 80%, but it will depend on the individual case.

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