Overall Rating


out of 10


12707 High Bluff Dr, San Diego, CA 92130
  • 18 Years in Business
  • Refund Policy
  • Financing Available


The Good

Can Help You Gain Relief From Many Different Types of Debt
CuraDebt can help you get relief from mounting credit card debt, personal loans, medical bills, collections and repossessions, and business debts. The company may be able to help with specific types of secured debt, lawsuits, and student loans under certain circumstances, which is very unusual in the debt relief industry.

Unlike many other debt relief firms, CuraDebt can also assist with unpaid tax debt, IRS collections, and back taxes for individuals and businesses, offering solutions such as an offer-in-compromise or partial pay installment agreement.

If you have unpaid tax debt to manage along with consumer debt, it pays to work with one company that you know you can trust.

In-house Team with Decades of Experience
The founders have been helping people in California get out of the debt since 1996. CuraDebt formed in 2000 as a way to help consumers in 38 states get relief from credit cards, tax debt, and other forms of unsecured debt.

The CuraDebt team is made up of in-house credit counseling professionals, many with 20+ years of experience. You’ll get the best, most knowledgeable assistance for your situation.

Excellent Customer Reviews Show High Customer Satisfaction Ratings
CuraDebt has incredibly high customer service ratings on many consumer review sites. CuraDebt was rated #1 debt relief company by Top Consumer Reviews in 2016.

Customer Lobby gives CuraDebt 5 stars across the board, with a total of 770 reviews. Jennifer P. of Huntertown, IN, wrote: “I would highly recommend calling CuraDebt if you are thinking about getting committed and serious with getting out of your debt situation. The load is heavy and stressful, and CuraDebt has so much to offer to custom fit your situation.”

Others complimented the level of customer service provided. H.H. of Brunswick, OH, wrote: “My rep is very informative and personable to speak with. It is a difficult thing for someone to go through this and you made me feel somewhat at ease throughout the process. I appreciated that.”

Shopper Approved gives CuraDebt an average of 4.9 out of 5 stars with151 reviews. CuraDebt received a 5-Star Excellence Award from the review site.

Consumer Affairs gives CuraDebt an average of 5 out of 5 stars.

The website TopTenReviews.com gives CuraDebt a 9.23 out of 10 overall rating, ranking it 8th amongst debt relief firms.

Positive Accreditations, Memberships, and Affiliations
CuraDebt is certified by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). In addition to the training required to maintain certification by the IAPDA, CuraDebt requires all its counselors to undergo an additional 20 to 40 hours of training and exams before they can work as certified credit counselors, putting CuraDebt ahead of many other debt relief firms.

CuraDebt also maintains many positive organization memberships. The company is an active member of HonestE Online, a member of the U.S. Chamber of Commerce, a member of the Netcheck Commerce Bureau since 2009, and listed as an Online Business Bureau trusted website with no customer complaints.


  • Free, confidential consultation
  • Excellent consumer reviews
  • Assists with unsecured consumer and business debt as well as tax debt
  • Member of the IAPDA and AFCC
  • Expert team of credit counseling and tax professionals boast a combined 100+ years of experience
  • Assists consumers with $5,000 or more in unsecured debt
  • Negotiates settlements for many different kinds of unsecured debt, including credit cards, hospital bills, and tax debt

Free, Confidential, No-Obligation Consultation
Like many debt relief firms, CuraDebt provides a free and confidential, no-obligation debt consultation to discuss your situation and offer recommendations for solutions to your problem.
The company specializes in debt settlement but might make recommendations for other solutions if you don’t qualify for their settlement program. CuraDebt may also provide credit counseling and debt consolidation services, depending on your situation.

Can Help Customers with $5,000 Or More In Debt
Unlike some debt relief firms, which can only help consumers facing more than $10,000 in credit card debt, CuraDebt can assist consumers with as little as $5,000 in unsecured debt or tax debt.

Pay No Fees Until You Accept The Resolution Offer
CuraDebt provides a free consultation and does not charge fees upfront for its debt settlement services. Instead, you pay a percentage of the debt owed in the form of fees to CuraDebt once a settlement is negotiated, you accept the offer, and the debt is paid out of your settlement trust account.

Fees typically equal 20 percent or less of the total debt.

Works To Find Creditor Violations To Get You Better Settlements or Even Cash Back
The experts at CuraDebt evaluate the actions of your creditors based on the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). If the CuraDebt team can identify violations under these laws, their negotiation pros may be able to have your debt completely dismissed. You may even qualify for a cash award if your creditors are found in violation of FDCPA or TCPA laws.

The Bottom Line

If you have more than $5,000 in unsecured debt or tax debt, CuraDebt has a solid reputation to help you get out of debt and achieve financial freedom.
With stellar consumer reviews, positive industry affiliations, and an expert team of in-house credit counselors with decades of experience, who have undergone extensive training, CuraDebt stands as a top choice for anyone seeking debt relief.

In addition to helping you reach a settlement to pay off credit card debt, medical bills, collections and repossession debt, CuraDebt can also assist with consumer and business IRS tax debt.

The CuraDebt team has decades of experience in credit counseling and tax debt relief.

About CuraDebt

Since 1996, CuraDebt founder Eric Pemper has been helping people get out of debt. In 2000, Pemper founded CuraDebt in the state of California. Since that time, the company has garnered hundreds of positive reviews, become accredited by top debt relief organizations, and has helped hundreds of thousands of people settle their debt.

Today, the company has offices in Hollywood, Florida, and can help consumers and businesses in 38 states with debt relief and tax relief.


Customer Satisfaction


CuraDebt achieves high ratings across the board for customer satisfaction.

The website TopConsumerReviews.com has rated CuraDebt #1 or #2 in the category of Best Debt Relief Companies for more than nine years running.

Customer Lobby reviewers rated CuraDebt with five stars in the categories of Service and Total Experience and said they "Will Recommend" the company to others in trouble with debt.

Shopper Approved also gave CuraDebt high ratings, with reviewers like Deborah in NC writing, “Everyone I have had dealings with has been very kind and helpful.”

George in California wrote, “From the beginning, Jeremy was most helpful and lowered our anxiety. He was very professional and was very prompt with returning questions via email or returning phone calls. Most important was his ability to make us feel relaxed and that everything was going to [be] OK...”
Consumer Affairs gives CuraDebt an average of 5 out of 5 stars and TopTenReviews.com ranked it 8th out of all top debt relief companies, with a 9.23 out of 10 average rating.

Variety Of Services


CuraDebt stands above many other debt relief firms in its variety of services. It can help customers settle their unsecured debt from credit cards, personal loans and lines of credit, collections and repossessions, medical bills, and business debt. In certain limited circumstances CuraDebt may be able to assist with student loans and lawsuits.

Also, the company has a team of tax experts on staff who can help negotiate, stop collections, and reduce fees and penalties for business and personal IRS tax debt.

CuraDebt specializes in debt settlement, but can also provide credit counseling and recommend debt consolidations or bankruptcy when appropriate.

Experience And Recognition


CuraDebt has been in business and licensed in California since 2000. In 2008 the company became CuraDebt Systems, LLC. It now operates in 38 different states, providing tax relief and debt relief services.

The company is made up of in-house credit and tax professionals whose total experience exceeds 100 years.

Licensing And Accreditations


CuraDebt is accredited by the and the International Association of Professional Debt Arbitrators (IAPDA) and the American Fair Credit Council. These are the top independent organizations that certify debt relief companies. In addition to these certifications, CuraDebt is a member of the U.S. Chamber of Commerce, HonestE Online, the Netcheck Commerce Bureau, and the Online Business Bureau.

The only significant accreditations missing that keep CuraDebt’s rating from 5 out of 5? The Better Business Bureau and any tax relief certification organizations.

Expert Review


With close to 20 years in business, CuraDebt has the experience and expertise to help consumers with their unsecured debt. Many benefits and value-added services set CuraDebt apart, including free credit restoration services for customers who complete CuraDebt’s debt settlement program, tax relief services, and the ability to negotiate cash awards for their customers by discovering and reporting creditor violations based on federal laws.

With a free, no-obligation, 100 percent confidential credit consultation, you won’t go wrong by contacting CuraDebt for help with your unsecured debt.


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