I was devastated and overwhelmed during covid trying to manage my finances. Everyone at CuraDebt was friendly yet professional and sympathetic to my situation. Step by step, I was never alone.
Norma V.*
Trustpilot Review
Dec 26, 2025
CuraDebt has made my journey to becoming debt-free not only possible but also stress-free. From the beginning, their team made sure I understood each step of the process, making it incredibly easy. While I hope never to need their services again, I know who I'll trust if I do.
Justin*
Google Review • Local Guide
Mar 21, 2025
CuraDebt is a great company. They treat you like a person, not just a number. They were always helpful and responded to emails and phone calls promptly. I highly recommend them.
Fran*
Google Review
See If You May Qualify For Debt Relief
- For credit cards & other unsecured debt
- Programs typically run 24 to 48 months*
- Free Inquiry & no obligation.
Selecting a debt amount opens the consultation form on the next page with your selection. Continue opens the form where you can choose an amount.
ContinueWhat's Included in Your Free Consultation?
- How Much Clients Typically Save
- Typical Timelines
- Comparison Of Different Options
- Estimated Monthly Payment
- A Free, No Obligation Consultation With Clear Answers and Honest Guidance
Based on 25+ years of experience in the debt relief industry and the information you provide, we match you with a debt relief provider in our network. There are legal debt relief options available.
The solution is often faster, easier and saves a lot more money than what you may be doing now.
Helping people get out of debt since 2001
Figuring out which debt relief option fits your situation can feel overwhelming. We've been helping people sort through it since 2001. Over the past 25 years we've counseled thousands of people and helped families and businesses compare their options. Today we put that experience to work helping you understand where you stand and, where appropriate and permitted by law, connecting you with independent providers for consumer debt, IRS and state tax debt, and business or MCA debt.
"I started CuraDebt in San Diego in 2001. Growing up, I watched what money and debt stress did to my own family, and I wanted to help people get free of that. Twenty-five years later, that's still why we're here. When you check your options with us, there's no obligation and no judgment. You'll just get a clear picture of where you stand and what's possible."
One free way to see all your options.
Credit cards, tax debt or business debt. A free consultation can help you review available options with an independent provider and decide on your next step.
Consumer Debt Relief
Common issues are high-interest credit card debt, medical bills, unsecured personal loans, ongoing collection calls, charge-offs, accounts in collections, and balances growing faster than you can pay them down.
Possible solutions are debt settlement, debt negotiation, debt management, and other debt relief programs that work to reduce what you owe.
And it's important to act now because interest and late fees keep compounding your balance, and accounts that fall further into collections get harder to resolve. Starting sooner eases the pressure faster.
The CuraDebt difference: We take the information you share about your debts and, with our in-house experience in debt relief going back 25+ years, connect you with a debt settlement company in our network that works to negotiate your balances and handles creditor communications under its own agreement.
IRS or State Tax Debt Relief
Common issues people and small businesses have are: back taxes, unfiled or late returns, payroll tax problems, trust fund recovery penalties, tax liens, wage garnishment, bank levies, audits, accrued penalties and interest, innocent spouse situations, and state tax debt you can't pay.
Possible solutions include an Offer in Compromise (OIC), Installment Agreement (IA), Currently Not Collectible (CNC) status, Penalty Abatement, Innocent Spouse Relief, Partial Payment Installment Agreement (PPIA), audit representation, and lien or levy release.
It's important to act now because penalties and interest compound daily, while liens and levies can escalate quickly. The sooner your case is addressed, the more options stay on the table.
The CuraDebt difference: We take the details you provide about your situation and, drawing on 25 years of in-house experience in the debt industry, connect you with an independent tax debt relief firm in the partner network, an EA, CPA, or tax attorney equipped to handle your specific case. Not sure who to look for? Here's how to choose a tax resolution company.
Business / MCA Debt Relief
Common issues we see business owners having are merchant cash advances draining daily cash flow, stacked MCAs, high-interest business loans, vendor and supplier debt, equipment financing, and personal guarantees on business debt.
Potential solutions include MCA payoff negotiation, debt restructuring, settlement of business balances, and repayment terms structured to protect cash flow.
And it's important to act now because daily or weekly MCA withdrawals compound the squeeze the longer they run. Acting early can keep cash flow from collapsing.
The CuraDebt difference: We take what you tell us about your situation and, with our in-house experience in business debt relief going back 25+ years, connect you with independent providers who work to negotiate payoffs and stabilize cash flow, so you can focus on running the business.
Compare Debt Relief Options
Credit-card or personal-loan balances becoming hard to manage? Compare available debt-relief options before choosing your next step.
A free, confidential consultation with an independent provider can cover possible payments, program costs and timelines.
Availability and eligibility vary. Review the provider's fees and terms before deciding whether to enroll. There is no obligation.
How it works
You stay in control the whole way. Knowing your options is free, and it's the first step toward a decision you feel good about.
Tell us about your situation
A few quick questions. No documents required, and submitting your inquiry does not affect your credit score.
Get expert guidance
Using 25+ years of in-house debt relief experience and the information you provide, CuraDebt matches you with an independent provider. This service is free to you, as providers may compensate CuraDebt.
Decide what's right for you
If it's a fit, you're connected with an experienced independent partner who handles the work under their own agreement.
Reviews
Reviews From Real CuraDebt Clients.
"Patrick from CuraDebt provided outstanding service. From the very beginning, he was professional, patient, and extremely knowledgeable. He took the time to explain every detail clearly, answered all my questions, and made the entire process easy to..."
"Contacted Curadebt to inquire about bankruptcy settlements and I was lucky enough to get connected with AnthonyV. His patient and engaging demeanor was a breath of fresh air. Knowing that this decision can be scary and overwhelming for many, he was thorough in..."
"Melvin was outstanding in providing me with all the options available. He took the time to answer all my questions. Very honest and straightforward."
"Oscar was extremely helpful explaining every detail of every step taking much of my confusion and anxiety away. I would highly recommend their services to anyone in need of debt consolidation."
"Paula was very friendly and direct in her command of the debt clearing services. She fully explained how the service works and exactly what should be expected. Thank you."
"Melvin provided excellent service. Explained program and walked me through the process in great detail. Was very meticulous and we completed the application in a timely manner."
"Very helpful. Very patient. Made me feel at ease. Explained very well."
"Melvin at Curadept was very professional. He understood very well what my needs were and was very, very helpful. I am so thankful that I called and got connected with him."
"Catalina was attentive, professional, and genuinely caring about helping clients."
"Patrick G. was highly professional and knowledgeable throughout the process. He helped put me at ease with my current situation and made the entire experience easy and stress-free."
"Melvin P. is a very nice person, asked me if I understood what I was being offered, he wasn't pushy, very understanding."
"Melvin was so helpful! Makes you feel like he is truly there to help without passing judgement and being so understanding. Made sure i understood what was happening and the process. Amazing!!"
"This is more than just business. Their team is really committed to help and find the best options for their customers. They are always friendly and understanding. Their communication is amazing! They also respond quick to any emails or messages."
"Melvin was amazing and helped walked me through the process and explained everything that was happening. I appreciated Melvin's knowledge, customer service skills, and his patience! I couldn't be more happy with the experience!!"
"Julio M. is a wonderful person to work with. He is so professional, kind, and understanding. He is so attentive to your needs and very compassionate, He answers any and all questions that you may have."
"Julio's customer care was great. He did not let me get off the phone without helping me out. Julio was very clear and very positive patient with all the information."
"Was extremely professional, patient and very thorough. I felt helpless at the time of our initial call and he assisted me to find a solution and I am very grateful for that."
"Son una compañia que mantienen al tanto como es ya el proceso y explican con buen detalles sobre como esta tu caso y agradezco mucho la explicacion que estan dispuestos a dar y el gran servicio y amabilidad."
"amazing, no judgment, not pushy, very calm voice, helped me understand what I needed to do, was not a fast talker. simply amazing i feel some relief coming my way"
"Gave me a lot of good information and customer service was very professional."
"Patrick G. from Curadebt was a tremendous help, he was patient, attentive, and competent, but more importantly curadebt gave us a path forward to deal with multiple high interest CC."
"I was skeptical, however; Melvin made the process much more comfortable as he explained each step and did not rush me."
"Very helpful and understanding of what anyone is going through. Thank you"
"Melvin was great at explaining everything until I understood what he said. Very patient great guy."
"Was hesitant initially but after speaking with Patrick G I decided this plan of action is the best choice for me. Already feeling a sense of relief. Patrick is great to work with and appreciate his quick responses to my inquiries and concerns"
"Patrick G. was the best. He was very patient, very thorough. Walked me through everything that needed to go over and there was a lot but you know we got it taken care of and I have much thanks to him."
"I am grateful there are companies out there like Cura Debt that care for the people they speak with and are willing to help. Their counselors are very informative on all of the options and cover both the good and the bad and let the customer choose what's best for them."
"Marlena was very friendly and professional. Took the time to help me understand the process and my options. I felt very comfortable with her."
"Deborah Gilbert is the most professional down to earth knowledgeable person I've ever done business with over the phone. She has simplified everything the company offered, listened to me and didn't over talk me at all and didn't pressure me into doing anything."
"My experience with CuraDebt was amazing! Specifically with Deborah. So helpful! I came in very stressed and overwhelmed and after speaking with Deborah I felt more relaxed and more knowledgeable on what steps to take."
"At first, I was reluctant with considering debt relief assistance but after contacting Curadebt, my mind was at ease. The communication between myself and Zac was open and reassuring. He made me feel comfortable throughout the process and was always available to answer my questions."
"This is all new to me but I feel secure with cura debt, any representative I speak too is very friendly and helpful."
"A very professional and good experience. They don't put you off and are always able to take time to explain in detail your questions."
Reasons people choose CuraDebt
One of the most experienced and recognized names in the industry, with the accreditations and memberships to match.
BBB Accredited
CuraDebt is BBB Accredited with an A+ rating.
Top Consumer Reviews
Rated among top tax debt relief companies for 2026.
Customer Lobby
1,600+ five-star reviews across review platforms. Results may vary.
Shopper Approved
4.9-star average. Results may vary.
IAPDA
Matches consumer debt clients with IAPDA-accredited professionals.
NetCheck
Membership verifies standing and complaint history.
HONESTe Online
Certified for honesty and integrity.
U.S. Chamber
Member in good standing of the U.S. Chamber of Commerce.
What people ask before they start
The questions we hear most, answered plainly, so you can decide with your eyes open.
About CuraDebt
Consumer Debt
Tax Debt
Business / MCA Debt
Debt Relief Consultation
Debt relief resources
Guides and program comparisons for every situation, so you understand the landscape before you decide.
Debt Relief
Debt Relief Debt Settlement Program Debt Negotiation Debt Consolidation Options Debt Management Program Best Debt Relief SolutionsTax & Business
IRS & State Tax Debt Relief Choosing a Tax Resolution Company Business Debt Relief All Debt Relief ServicesNot sure where to start? Start by just knowing.
Checking your options is free and takes under a minute. No commitment, no judgment, and no hit to your credit for asking.
* Program length varies by provider and individual circumstances; no specific completion time is guaranteed.