CuraDebt Fees & Why It May Be a Better Debt Settlement Option
Looking for debt settlement from CuraDebt? CuraDebt Fees is 10% to 25% of the Total Enrolled Debt. Here is how CuraDebt does it.
How Much Does CuraDebt Charge for Debt Settlement?
CuraDebt’s fees are industry-standard but vary based on your enrolled debt amount. Here’s their typical fee structure:
CuraDebt Fee Breakdown
- 14%-23% of the total enrolled debt (average ~18%)
- Only charged after a successful settlement
- No upfront fees (compliant with FTC regulations)
Example:
If you enroll $20,000 in debt:
- Estimated settlement: $10,000 (50% reduction)
- CuraDebt fee: $1,800-$2,300 (18% of $10,000 settled)
5 Reasons CuraDebt May Be a Better Debt Settlement Choice
1. 20+ Years of Experience (Since 2000)
- One of the oldest debt settlement companies
- Settled over $1 billion in debt
- A+ BBB rating (with accreditation)
2. Legal Compliance & Transparency
- No upfront fees (unlike some shady operators)
- Full disclosure of costs before enrollment
- Complies with state and federal debt relief laws
3. Customized Debt Relief Plans
- Handles credit cards, medical bills, personal loans, and some IRS/tax debt
- Programs tailored to your budget (not one-size-fits-all)
- Faster settlements than some competitors (avg. 24-48 months)
4. Better Creditor Relations
- Experienced negotiators who know creditor policies
- Higher success rate at lower settlement amounts (40%-60% reductions typical)
- Helps minimize creditor lawsuits vs. DIY attempts
5. Alternative to Bankruptcy
- Prevents need for Ch. 7 or Ch. 13 bankruptcy
- Less severe credit impact than bankruptcy
- Can include tax debt negotiation (rare in the industry)
CuraDebt vs. Other Debt Settlement Companies
| Feature | CuraDebt | Average Competitor |
|---|---|---|
| Fees | 14%-23% of settled debt | 15%-25% of enrolled debt |
| Upfront Costs | ❌ None | ❌ Some charge illegal fees |
| Program Length | 2-4 years | 3-5 years |
| Tax Debt Help | ✅ Yes | ❌ Rare |
| BBB Rating | A+ | Often B or lower |
| Settlement Success Rate | ~85% | 70%-80% |
Potential Drawbacks of CuraDebt
⚠️ Not available in all states (NY, IL, etc. have restrictions)
⚠️ Credit score damage (like all settlement programs)
⚠️ Possible tax liability on forgiven debt over $600
Who Should Use CuraDebt?
✔ You have $10k+ in unsecured debt
✔ You’re 3+ months behind on payments
✔ You want to avoid bankruptcy
✔ You need a structured, professional negotiation
Who Should Avoid It?
❌ If you can pay debts via budgeting/consolidation
❌ If you have mostly secured debt (mortgage, auto loans)
❌ If you live in a state where debt settlement is restricted
Final Verdict: Is CuraDebt Worth It?
✅ Yes, if:
- You need expert negotiation
- You want a reputable, long-standing company
- You’re okay with temporary credit damage for long-term relief
❌ No, if:
- You can repay debts another way
- You live in a restricted state
- You’re not comfortable with settlement risks
📢 Next Step?
CuraDebt stands out for its experience, transparency, and tax debt options, making it a top-tier choice for settlement—but always compare alternatives first!