Company Ratings


PROS / Live chat option on its website. Flat-fee model lets customers know what to expect.

CONS / Not rated by the Better Business Bureau. Outsources some of its work to third party agencies. For example, it might collect money from a client before placing the client in the hands of another debt consolidation or management organization. Additionally, monthly maintenance fees can be charged for work that is not “in-house,” which allows the organization to get around the 2010 FTC regulation outlawing upfront collection of fees for debt negotiations.

OUR VERDICT / CuraDebt outsources several of their programs to other vendors instead of offering full-service debt solutions in-house, which can mean additional fees charged to customers. CuraDebt touts its high ratings on alternative websites, but it is curiously absent from mainstream consumer protection organizations, such as the Better Business Bureau. Its website is difficult to navigate and includes aggressive pop-up marketing for its services. All this adds up to indicate that it is not customer-oriented and not user-friendly.

Overall Score 26
  • Cost/Fees 13
  • Transparency/Disclosures/Compliance 10
  • Length in Business 100
  • BBB Rating 0
  • Accreditations (BBB, IAPDA, AFCC) 33
  • Web Site 25
  • Program Time Frame 29
  • Average Reduction after Fees 33
  • Up Front Fees 0
  • Number of States Available 100
  • Consumer Debt or Business Debt or Both 100
  • Minimum Debt Amount 67
  • Sales Pressure/Customer Service 0
  • Service In House or Out Source 0
Need Help?

We hope our research has helped you make the right choice, but no company is a perfect fit for everybody. IT PAYS TO SHOP!Get a FREE analysis of your debt today.