About CuraDebt
What is CuraDebt? +
CuraDebt is a debt relief company founded in 2001 and based in
Hollywood, Florida, operating as CuraDebt Systems, LLC. It helps consumers and businesses
compare debt relief options and connects them with independent providers for consumer debt,
IRS and state tax debt, and business or MCA debt. CuraDebt is BBB A+ Rated, BBB Accredited,
and has 1,600+ five-star reviews across review platforms.
See if you qualify
→
Is CuraDebt legitimate? +
Yes. CuraDebt has operated since 2001, which is 25 years, making it one
of the longest-running companies in the debt relief industry. It holds a BBB A+ rating, is
BBB Accredited, and carries accreditations and memberships including the ACDR (Association
for Consumer Debt Relief) and IAPDA (International Association of Professional Debt
Arbitrators). It has earned 1,600+ five-star reviews across platforms like Google, Yelp,
Shopper Approved, and Customer Lobby.
Get started free →
How does CuraDebt work? +
CuraDebt works by matching you with the right independent provider for
your situation, at no cost to you. You share a few details about your debt, CuraDebt reviews
your situation using 25 years of experience, and where appropriate and permitted by law,
connects you with an independent provider for consumer debt, tax debt, or business debt.
There is no fee to you to get matched, and you are never obligated to move forward.
See your options →
What types of debt does CuraDebt help with? +
CuraDebt helps with three main categories: consumer debt (credit cards,
medical bills, personal loans, and collections), tax debt (IRS and state back taxes, liens,
levies, and unfiled returns), and business debt (merchant cash advances, high-interest
business loans, and vendor or supplier debt). It also offers loan options through its
partnership with EVVO. CuraDebt does not handle secured debts like mortgages or auto loans.
See what fits you →
How much does CuraDebt cost? +
There is no cost to you to get matched with a provider or to review
your options through CuraDebt. Any fees come only from the independent provider you choose
to work with, and those are disclosed up front in the provider’s own written agreement
before you commit to anything. Under federal law, debt settlement companies cannot charge a
fee until a debt is actually settled.
Start free →
Who founded CuraDebt? +
CuraDebt was founded by Eric Pemper in San Diego in 2001. He started
the company after seeing how money and debt stress affected his own family growing up, and
has spent more than 25 years working in consumer debt relief, IRS and state tax resolution,
business debt, and FTC and TCPA compliance. CuraDebt is now based in Hollywood, Florida.
Read the founder’s story →
Consumer Debt
Will checking my options hurt my credit? +
No. Checking your options and getting your free savings estimate won’t
affect your credit score. If you’d rather look at a loan, the eligibility check at
getcuradebt.com is a soft inquiry too, so that won’t touch your score either. You can see
where you stand with zero risk to your credit.
See your options →
How does debt relief actually help me? +
Debt relief usually means one of a few paths: settling balances for
less than the full amount, rolling several payments into one lower monthly payment, or
restructuring what you owe so it is manageable again. Which one actually helps you depends
on how much you owe, to whom, and your income, and the wrong choice can cost you money or
credit you did not need to lose. That is the real value of a review: instead of guessing,
you see in plain numbers which option fits your situation before you commit to anything.
See which option fits you →
Could I just get a loan instead? +
Possibly, and it’s worth checking first. Through our partnership with
EVVO at getcuradebt.com, you can see which loan options you may qualify for in minutes, with
a soft credit check that won’t affect your score. If you’re approved, you can apply right
with the lender. And if a loan isn’t the best fit, you’ll still know your other options.
Check loan eligibility
→
How much does it cost to find out where I stand? +
Nothing. Your savings estimate and your loan eligibility check are both
free, with no obligation. CuraDebt does not charge consumers a fee to review their options.
You only ever move forward if you choose to.
Start free →
Is CuraDebt reputable? +
CuraDebt has been helping people since 2001, so that’s 25 years now.
We’re BBB A+ Rated. We’re BBB Accredited. And we have 1,600+ five-star reviews across review
platforms. You’re working with one of the most established names in the industry.
See if you qualify →
What percentage of debt is usually accepted in a settlement? +
As a general industry reference, settlements often land somewhere
around 40 to 60 percent of the balance, though it varies widely. What you can realistically
get depends on factors most people do not know to weigh: how old the debt is, whether it is
still with the original creditor or sold to a debt buyer, and how strong your hardship case
looks on paper. Creditors negotiate hardest against people handling it alone. Getting your
accounts reviewed shows you what is realistic for your specific debts before you make an
offer you might regret.
See what may be possible for you →
How much debt do you need to qualify? +
Most debt relief programs are built for unsecured balances starting
around a few thousand dollars and up, but the threshold and the best option both change with
your debt type and situation. There is no need to guess where you fall. A free check takes
under a minute, shows you the options that fit your situation, and if a program is not the
right fit, you will find that out too, with no cost either way.
Check if you
qualify →
Which debts can and can’t be included? +
Debt relief generally works with unsecured debts: credit cards, medical
bills, personal loans, and collection accounts. Secured debts like a mortgage or auto loan
usually are not included, because the lender can repossess the home or car instead. The
tricky part is that many people have a mix, and which of your specific accounts qualify is
not always obvious. A quick free review sorts your debts for you and shows what may be
eligible, so you are not guessing.
See which of your debts qualify →
Are upfront fees for debt settlement legal? +
No. Under federal law, a debt settlement company cannot charge you a
fee before it actually settles a debt for you. That’s an important protection to know about,
and a reason to be cautious of anyone asking for money up front. With CuraDebt there’s no
cost to review your options.
Start free →
Will I owe taxes on forgiven debt? +
Sometimes. The IRS can treat forgiven debt over $600 as taxable income
and send you a Form 1099-C. But many people do not realize there is an insolvency exclusion
that can reduce or eliminate that tax if your debts exceeded your assets when the debt was
settled, which is common for people in hardship. It is a real factor worth understanding
before you settle, not after. CuraDebt does not give tax advice, but a free review helps you
see the full picture, including questions to raise with a tax professional.
See your options →
Tax Debt
Can the IRS settle for less than I owe? +
Often, yes. There are real programs that can reduce what you owe or
make it manageable, but which ones fit depends on your specific situation. The fastest way
to find out what you may qualify for is a free review. It takes under a minute to start and
there is no obligation.
See your tax options →
I’m getting IRS notices. What should I do? +
Do not wait. The earlier your situation is reviewed, the more options
you tend to have before the IRS acts further. Start your free review now and find out where
you stand, with no cost and no obligation.
Get my free review →
I have unfiled returns. Can I still get help? +
Yes. Unfiled returns are common and this is very fixable. Do not let it
hold you back from getting relief. Start your free review and see what your options look
like.
See my options →
How much does tax help cost? +
Reviewing your options through CuraDebt is free, with no obligation. If
you choose to work with an independent tax relief firm, their fees are set and disclosed up
front in their own agreement, so there are no surprises.
Start free →
What is an Offer in Compromise, and do I qualify? +
It is an IRS program that lets some taxpayers settle for less than they
owe. The only way to know if it could work for you is to have your numbers reviewed, which
is free and takes under a minute. Find out where you stand.
See if you may
qualify →
Can the IRS take my house or garnish my wages? +
The IRS can garnish wages and levy bank accounts, which is exactly why
acting early matters. The sooner your situation is reviewed, the more room there usually is
to do something about it. Check your options now, free and with no obligation.
Get my free review →
How many years can the IRS collect a tax debt? +
The IRS generally has a limited number of years to collect a tax debt
from the date it was assessed, though certain actions can pause or extend that clock. Where
your debt sits in that window can shape your best options, which is something a professional
review can clarify for your specific case.
See your tax options →
Can I set up a payment plan with the IRS? +
Often, yes. Many taxpayers can pay over time instead of all at once. A
free review will show you which options may fit your situation, with no cost to find out.
See my options →
Business / MCA Debt
Can my business debt be reduced? +
Often, yes. Reduced payoffs and restructured terms are possible on
MCAs, high-interest business loans, and vendor debt. What is possible for you depends on
your situation, and a free review shows you quickly. No cost, no obligation.
See what is possible →
Will exploring this disrupt my business? +
It’s actually the opposite. The goal of restructuring is to free up
cash flow so your business can keep running and you can focus on it. Looking at your options
is free, confidential, and commits you to nothing.
Get a free review →
What are MCAs, and why look at restructuring them? +
A merchant cash advance gets repaid through frequent withdrawals
against your revenue, which can squeeze cash flow fast. Restructuring can ease that
pressure. A free review shows you whether it’s worth pursuing.
See your
options →
What does it cost to explore my options? +
Nothing to find out. CuraDebt does not charge a fee to review your
options. Any fees would come only from an independent provider you choose to engage,
disclosed in their own agreement up front.
Start free →
Am I personally liable for my business debt? +
Many business loans and MCAs carry a personal guarantee that can put
your personal assets at risk. Knowing which of yours do is a critical first step, and a free
review makes it clear fast.
See where you stand →
Can a confession of judgment on my MCA be addressed? +
MCAs often come with aggressive terms, but you have more options than
you might think. The first step is simply getting your situation reviewed, which is free and
quick. See what may be possible.
Get my free review →
Can I get business debt help if I’m still taking advances? +
Yes. Reaching out while you are still juggling active advances is a
common starting point, not a problem. A free review shows you whether restructuring could
ease the pressure.
See my options →
Loan Options
Can I check what loans I qualify for? +
Yes. Through our partnership with EVVO at getcuradebt.com, you can
check your loan eligibility across multiple lenders in minutes and get a report of what you
may qualify for, all in one place. No applying to lenders one at a time.
Check loan eligibility
→
Will checking loan options affect my credit? +
No. The eligibility check uses a soft credit inquiry, so seeing which
loans you may qualify for won’t affect your credit score. A full application, and any hard
inquiry, only happens if you decide to apply with a lender.
Check eligibility free
→
How fast can I see my loan options? +
In minutes. You enter your information once at getcuradebt.com and see
a report of the loan options you may qualify for right away. If you’re approved and like
what you see, you can apply right with the lender, which saves you shopping a bunch of
sites.
See your loan
options →
What if a loan isn’t right for me? +
No problem. Checking is free and there’s no obligation. If a loan isn’t
the best fit, you’ll still walk away knowing your other debt relief options, so your time
isn’t wasted.
Compare all my options →
