BBB A+ RatedShopper Approved1,600+ Verified 5-Star ReviewsAADR Member
Last Updated: April 2026
Debt Negotiation Services: How Creditors Actually Settle
Most people think debt negotiation is just calling the credit card company and asking nicely. Sometimes that works. But creditors have entire departments trained to handle those calls - and they know exactly what to say to keep the cardholder paying the full balance. Professional debt negotiation works differently. CuraDebt knows each major creditor's settlement patterns, their internal thresholds, and the right timing to approach. That knowledge changes what actually gets paid. This page explains exactly how debt negotiation works, what creditors actually settle for, when to attempt it independently, and when a professional approach makes a real difference.
Explore Debt Relief Options
Submit information below to explore the available options.
Debt negotiation and debt settlement are essentially the same thing, just described from different angles. Negotiation describes the process of working with creditors to accept less than the full balance. Settlement describes the outcome: the creditor accepts a reduced payment as full satisfaction of the debt. Both result in paying less than the full amount owed. The terms are used interchangeably across the industry.
Why the distinction matters: people searching "debt negotiation" are often at a slightly earlier stage than people searching "debt settlement." They're still figuring out whether this is even an option.
Yes, creditors negotiate. Most of them. Not because they want to, but because when the alternative is getting nothing (bankruptcy, charge-off, or endless minimum payments that barely cover interest), settling for 40-60 cents on the dollar is mathematically better. That's the leverage that makes negotiation possible.
The main categories of debt that can be negotiated:
Credit cards: the most commonly negotiated debt, and the most flexible for creditors to settle
Personal loans: unsecured personal loans, not auto or home loans
Medical bills: hospitals and providers negotiate regularly, often more willingly than credit card companies
IRS and state tax debt: through specific IRS programs like Offer in Compromise (most companies don't handle this; CuraDebt does)
Some private student loans: federal student loans cannot be settled through private programs
Business credit card debt: when personally guaranteed
Collection accounts: accounts sold to debt buyers often settle for less than original creditors
What cannot be negotiated: mortgages, auto loans, federal student loans, utility bills, child support, and alimony. Any company claiming otherwise is being dishonest.
Eric's Take
Many people think negotiating debt is just a phone call away. Sometimes it is. But creditors have entire departments trained to handle these calls, and they know exactly what to say to keep the balance at full. A professional negotiator who knows the creditor's settlement patterns, their internal thresholds, and the right timing makes a real difference in what the final settlement actually costs. People call Chase on their own and get nowhere for months, then a professional negotiator reaches a settlement in six weeks. The creditor didn't change. The approach did.
Debt negotiation works by stopping direct payments to creditors, building a savings fund, then approaching creditors with lump-sum settlement offers once sufficient funds accumulate. Creditors are most motivated to settle when accounts are 90-180 days delinquent: at that point, their internal teams shift from collection mode to resolution mode.
The Thing Nobody Says
The hardest part of debt negotiation isn't the negotiation itself. It's the phase where accounts are delinquent, creditors are calling, and nothing has been settled yet. That window (roughly months 2 through 6) is where most people panic, call the creditor themselves out of stress, and undo months of progress with a poorly timed partial payment. Having a team managing the communication takes that pressure off entirely. Many clients say the thing they valued most wasn't the settlement amount; it was not having to pick up the phone anymore.
What Percentage Will Creditors Settle For?
Creditors typically settle for 30-80% of the original balance, with 40-60% being most common for active accounts. Debt buyers who purchased charged-off accounts often accept 20-50% since they paid only a fraction of face value. The percentage depends on account age, delinquency status, creditor type, balance size, and quality of the hardship documentation.
The range is wide because the variables matter a lot. Here is what drives the final settlement percentage:
Account age and delinquency status. Accounts 90-180 days delinquent are in the sweet spot: the creditor has started setting aside reserves but hasn't charged off yet. Older accounts or those already with collection agencies often settle lower.
Whether it's the original creditor or a debt buyer. Original creditors (Chase, Bank of America, Discover, Capital One) have higher settlement floors, typically 35-60%. Debt collection agencies that bought the account for 5-10 cents on the dollar can accept much less because anything above their purchase price is profitable.
Balance size. Larger balances give creditors more motivation to settle: a $30,000 account settling at 45% is still $13,500, which is more meaningful than walking away from a $2,000 balance.
Hardship documentation. A creditor's decision to deviate from their standard policy requires evidence. Job loss documentation, medical bills, income reduction: concrete proof moves offers through internal approval faster.
Lump-sum vs. payment plan. Lump-sum offers consistently produce lower settlement percentages. A creditor will accept 40% as a single payment who won't accept the same total paid over 6 months.
Typical settlement percentage ranges by creditor type. Lower percentage = more savings. Actual results vary significantly based on account age, delinquency, balance, and hardship documentation.
According to the CFPB's consumer credit data, US household credit card debt exceeded $1.21 trillion in Q4 2025 and average APR exceeded 20%. At those rates, the math of paying in full is brutal. That's why negotiation exists, and why creditors participate.
For reference on real negotiation results, see the published settlement letters: over 200 real settlement examples from actual CuraDebt clients.
Explore Debt Relief Options
Submit information below to explore the available options.
DIY debt negotiation works best with 1-2 accounts, a moderate balance under $10,000, cash available for a lump-sum offer, and the time to manage multiple phone calls. For more complex situations (multiple creditors, larger balances, accounts already in collections, or facing lawsuits), professional help typically produces better outcomes.
This can be done independently for the right situation. Here is when DIY actually makes sense and how to approach it.
When DIY negotiation is worth trying:
1-2 credit card accounts, not 6
Total balance is under $10,000
Cash available for a lump sum, not just willingness to pay over time
Accounts are delinquent but haven't been sold to collections yet
Time and emotional bandwidth available to handle repeated creditor calls without panic decisions
The DIY process:
Call the creditor's hardship or settlement department, not general customer service. Ask specifically for "hardship assistance" or "settlement department."
Explain the hardship briefly and honestly. Job loss, medical issue, income reduction. Creditors need a reason to deviate from standard terms.
Open the offer at 25-30% of the balance. Never reveal the maximum. Never accept the first counter.
Negotiate in rounds. Most creditors come back at 50-60% first. Push back toward 35-45%.
When an agreement is reached, get it in writing before sending a single dollar. A written settlement agreement that states the amount satisfies the balance in full. This is non-negotiable.
Pay within the agreed timeframe. Creditors withdraw settlement offers if payment doesn't arrive when promised.
Something I See Constantly
The biggest DIY mistake isn't the offer percentage; it's paying before getting written confirmation. People reach a verbal agreement over the phone, send the payment, and then find out the creditor applied it as a regular payment against the full balance rather than a settlement. The account is still open. The balance is still there minus the payment. Get it in writing every time, before paying anything.
For DIY negotiation involving creditors who have already filed lawsuits, the process changes significantly. See the section below on negotiating after being sued; ignoring a court summons is the fastest way to lose all negotiating power entirely.
When Professional Negotiation Beats DIY
Professional debt negotiators consistently produce better outcomes when dealing with multiple creditors, larger balances, creditors who have already filed lawsuits, or situations requiring tax debt alongside consumer debt. The advantage isn't just persistence; it's institutional knowledge of each creditor's internal processes, settlement authority thresholds, and the right contacts within each institution.
Here is what changes when a professional handles the negotiation:
Direct contact with settlement departments. Professional negotiators don't call general customer service; they go through dedicated settlement departments most consumers can't access. They have direct numbers to the settlement and workout departments at Chase, Bank of America, Capital One, Discover, and Citibank. CuraDebt has been in business since 2001 with 25 years of debt-industry experience. The person answering has actual settlement authority.
Known settlement patterns per creditor. Each major creditor has documented tendencies: floor percentages, preferred payment structures, what triggers internal approval vs. rejection, seasonal patterns in settlement activity. This takes years of volume to accumulate.
Emotional detachment. When it's personal debt, every phone call is charged. When a professional handles it, the negotiation is clinical. Creditors respond differently to someone who isn't panicked, isn't desperate, and isn't going to make an impulsive concession under pressure.
Simultaneous multi-creditor management. Coordinating settlements across 4-6 creditors at once (sequencing who gets approached first, timing each settlement to available funds) is genuinely complex. Professionals manage this regularly. For most individuals doing it alone, it becomes overwhelming.
Legal awareness during active lawsuits. If a creditor has filed suit, there are court deadlines that cannot be ignored. Professional negotiators know these timelines and can coordinate settlement discussions while the legal clock is ticking.
Negotiating before charge-off (typically under 180 days delinquent) means dealing with the original creditor at 35-60% settlement. After charge-off, the debt is often sold to a collection agency that paid pennies on the dollar and accepts 20-40%. Both windows have advantages: earlier avoids the collections damage; later often yields lower settlement amounts.
The charge-off threshold (typically 180 days of non-payment) is a major milestone that changes the negotiation landscape in both directions.
Before charge-off (days 1-179 delinquent):
The original creditor still holds the account (Chase, Citi, etc.)
Settlement floors tend to be higher: 35-60% typical
Advantage: cleaner account resolution, avoids the collections notation on the credit report
Creditor motivation is building but not yet at its peak
Lump-sum cash is critical: creditors at this stage want immediate resolution
After charge-off (180+ days, or sold to collections):
Original creditor has written off the debt internally and may have sold it to a debt buyer for 5-15 cents on the dollar
Debt buyers' settlement floors are lower: 20-40% because any amount above their purchase price is profit
The charge-off notation is already on the credit report regardless, so that damage is done
Some original creditors keep charged-off accounts in-house and continue negotiating at reduced rates
If sued, timing becomes urgent - respond to the summons, then negotiate
When a Lawsuit Has Been Filed
Receiving a court summons is not the end of negotiating power, but ignoring it is. Many people panic and do nothing. That results in a default judgment, which gives the creditor power to garnish wages and place liens on property. Responding to the summons within the deadline stated (typically 20-30 days depending on state) is critical. Many settlements happen after lawsuits are filed, sometimes for better percentages than pre-suit because the creditor also wants to avoid trial costs.
Explore Debt Relief Options
Submit information below to explore the available options.
Debt Negotiation vs. Consolidation vs. Bankruptcy vs. Management Plan
Debt negotiation aims to reduce the principal owed. Debt consolidation reorganizes what's owed at a lower rate - the full balance is still repaid. Bankruptcy discharges debt through a legal process but leaves a public record for 7-10 years. A debt management plan reduces interest rates through a nonprofit agency without reducing principal. Each has a different credit impact, cost, and eligibility requirement.
Under the Fair Debt Collection Practices Act (FDCPA), third-party debt collectors must stop contact after a written cease-contact request. Original creditors aren't bound by the FDCPA but typically reduce contact once an account enters a professional negotiation program. A professional negotiation program also shifts the primary point of contact - creditor communication is handled by the program.
The FDCPA is one of the most powerful consumer protection tools available, and most people with debt don't know it exists. Here is what it covers:
Written cease-contact letters stop third-party collector calls. Once a collector receives a written cease-contact request, they're legally required to stop all contact except to confirm receipt and advise of specific actions (like filing a lawsuit). This applies to collection agencies, NOT to the original creditor (Chase, BofA, etc.).
FDCPA restricts call times, harassment, and false statements. Collectors can't call before 8am or after 9pm, use threatening language, misrepresent the amount owed, or threaten legal action they don't intend to take. These violations are actionable; consumers can sue.
Professional programs shift the communication burden. When CuraDebt is managing enrolled accounts, creditor calls about those accounts are directed to CuraDebt. The client stops being the point of contact. That alone significantly reduces the daily stress of carrying significant debt.
One important distinction: the FDCPA applies to third-party debt collectors - not to the original creditor. If the account is still with Chase, Chase can call. Once it's been sold to a collection agency, that agency is bound by FDCPA. This distinction matters for timing cease-contact requests strategically.
What I Tell Every Client Before They Enroll
The phone calls are temporary, even if they don't feel that way when three come in a day. The calls stop, either when the account settles, when a cease-contact letter is sent to collection agencies, or when the creditor determines there's nothing to collect. What doesn't stop on its own is a balance growing at 24% APR while only minimums are being paid. That's the problem worth solving. The calls are a symptom; the balance is the issue.
Creditor Settlement Offer Calculator
This calculator shows what opening offer to make to a creditor, what a realistic final settlement range looks like, and how much would be needed in a lump-sum fund to execute it. Enter a balance, interest rate, months delinquent, and whether it's an original creditor or collector to get a negotiation-ready breakdown.
A common question isn't "will they settle?" but "what number to start with?" Use this for negotiation-ready numbers.
Debt Settlement Offer Calculator
Find the opening offer, realistic settlement range, and lump-sum fund target for each creditor
Current balance including interest
Delinquency duration
Determines realistic settlement range
Lump sum offers get the best settlement percentages
Historical industry reference: on a $15,000 Chase balance around 120 days delinquent, opening offers have run around 28% and final settlements have often fallen in the 40-55% range with strong hardship documentation. This is an industry reference, not a prediction of any specific account outcome. Every creditor, balance, and hardship situation is different. Results vary significantly.
Who Qualifies for Debt Negotiation
General eligibility: $10,000 or more in unsecured debt, genuine financial hardship (income reduction, job loss, medical event), and the ability to make consistent monthly savings deposits. Bad credit doesn't disqualify anyone; it's expected and actually helps demonstrate hardship to creditors. The free consultation provides a definitive answer in 15-30 minutes.
Here is what CuraDebt looks at during the free consultation:
Total unsecured debt. $10,000 minimum across enrolled accounts. Credit cards, personal loans, medical bills, some private student loans. Also: IRS debt and business debt: things most companies don't handle.
Financial hardship. Job loss, income reduction, medical expenses, divorce, or a payment-to-income ratio where debt payments consume more than 20% of take-home. Evidence of genuine hardship is needed, not just a desire to pay less.
Account status. Current accounts, delinquent accounts, charged-off accounts, and collection accounts can all be addressed, just with different strategies and different settlement expectations.
Ability to save. The program requires building a savings fund. Zero income means no savings capacity, which makes settlement infeasible regardless of debt amount.
What Doesn't Qualify
Mortgages, auto loans, federal student loans, utility bills, child support, and alimony cannot be enrolled in a debt negotiation program. These are either secured by assets or legally protected. When the majority of debt falls in these categories, CuraDebt identifies that directly in the consultation and discusses what alternatives, including bankruptcy guidance, may apply.
CuraDebt's free review is a 15-30 minute look at specific accounts, creditor mix, balances, and hardship. The review identifies which debts can be negotiated, what settlement percentages are realistic for specific creditors, what a program would cost, and whether a different approach fits better. No obligation to enroll. No payment required.
Here is what the free consultation covers:
Share the situation. Creditor names, approximate balances, current payment status, income, and what's changed financially. Confidential. No obligation.
CuraDebt identifies which debts qualify. Specifically which accounts can be negotiated and what each creditor typically accepts: based on real settlement history, not generic ranges.
We build a program estimate. Based on balances, monthly savings capacity, and creditor mix, an approximate savings target, monthly deposit, and timeline is shown.
CuraDebt gives the honest picture. If bankruptcy, consolidation, or a DIY approach fits better than professional negotiation, CuraDebt notes that. The goal is the right outcome, not enrollment for its own sake.
The client decides. No pressure. No deadline. Comparing CuraDebt to other companies is encouraged.
"I had an amazing experience with a wonderful agent named Patrick G who helped take care of all my needs and made my life a little easier to breathe."
★★★★★ Ebonee J. • Jonesboro, GA • November 28, 2025 • Customer Lobby, verified • Individual results vary. This reflects one client’s experience and is not a guarantee of outcome.
"Just started my debt free journey and Oscar helped point me in the right direction and get me started with very friendly customer service."
★★★★★ Trent S. • Lake City, MI • Customer Lobby, November 17, 2025 • Individual results vary. This reflects one client’s experience and is not a guarantee of outcome.
"Everyone was great. Especially Paula Cathey as she has been there since I started the program 2 years ago. I would surely recommend Curadebt to anyone needing assistance in getting out of debt!! Jim G"
★★★★★ James Griffin • Trustpilot • January 6, 2026 • Individual results vary. This reflects one client’s experience and is not a guarantee of outcome.
"I was devastated and overwhelmed during covid trying to manage my finances. Everyone at curadet was friendly yet professional and sympathetic to my situation. I was explained about the program and step by step i was never alone..."
★★★★★ Norma Vazquez • Trustpilot • December 27, 2025 • Individual results vary. This reflects one client’s experience and is not a guarantee of outcome.
"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... he was thorough in explaining the program and answering any questions about debt settlement and how it works..."
★★★★★ L R. • Delray Beach, FL • January 16, 2026 • Customer Lobby, verified • Individual results vary. This reflects one client’s experience and is not a guarantee of outcome.
Frequently Asked Questions: Debt Negotiation
What is debt negotiation?
Debt negotiation is the process of working with creditors to accept less than the full balance owed: typically a lump-sum payment of 30-80% of the original amount. It is also called debt settlement. Both terms describe the same outcome: less than the full amount is paid, and the creditor accepts it as full satisfaction of the debt.
Is debt negotiation the same as debt settlement?
Largely yes. Negotiation describes the process; settlement describes the outcome. Both result in the creditor accepting less than the full balance owed. The terms are used interchangeably across the industry, including by CuraDebt.
How does debt negotiation work step by step?
Step 1: Stop paying creditors directly and redirect funds into a dedicated savings account. Step 2: A negotiator approaches creditors once sufficient funds accumulate. Step 3: The creditor reviews account status and hardship documentation. Step 4: A settlement offer is made, starting at 25-30% of balance. Step 5: Written confirmation is obtained before any payment. Step 6: The account is settled and closed.
What percentage will a creditor settle for?
Original creditors typically settle for 35-65%, with 40-55% most common for accounts 90-180 days delinquent. Debt buyers who purchased charged-off accounts often accept 20-40% since they bought the debt at a fraction of face value. Timing, account age, balance size, and quality of hardship documentation all affect the final percentage. Results vary.
How long does debt negotiation take?
Individual accounts may settle in 90-180 days once sufficient funds are built up. Full programs covering multiple accounts take longer. The timeline depends on total enrolled debt, monthly savings contribution, and creditor cooperation. Results vary significantly.
The Credit Score Question I Get Every Time
Yes, debt negotiation impacts credit scores. Missed payments and settled accounts both appear on the report. The impact is real. But here's the comparison that matters: bankruptcy stays on a credit report for 7-10 years as a public legal record. Doing nothing while carrying $40,000 in debt at 24% APR also damages credit as utilization climbs and eventual delinquencies pile up. Settlement provides a defined endpoint (a resolved balance) rather than indefinite damage with no resolution. Scores may dip temporarily. That's expected and disclosed. Results vary.
Does debt negotiation affect credit scores?
Yes; missed payments and settled accounts both damage credit. The impact is real and should be expected. Compared to bankruptcy (7-10 years as a public record) or continued delinquency with no resolution, debt settlement typically has a shorter and more recoverable credit impact. Scores may dip temporarily, expected and disclosed. Results vary.
Can I negotiate credit card debt myself?
Yes, for 1-2 accounts with moderate balances and cash available for a lump sum. Call the creditor's hardship or settlement department, explain the financial situation honestly, open at 25-30% of the balance, and get any agreement in writing before paying. For multiple accounts, larger balances, or creditors who've already filed lawsuits, professional help typically produces better outcomes.
What percentage should I offer to settle debt?
Start at 25-30% of the balance and work up. Creditors typically settle for 40-60% on active accounts, so opening low creates negotiating room. Never reveal the maximum upfront. Always get written confirmation before sending any payment.
Will credit card companies negotiate with debt settlement companies?
Most will, especially when accounts are 90-180 days delinquent. At that stage, creditors have started setting aside internal loss reserves and are more motivated to resolve accounts. Some creditors work more productively with professional negotiators who have established relationships with their settlement departments.
Can Debt Be Negotiated After It Goes to Collections?
Yes; debt collectors often accept lower percentages (20-40%) since they purchased the debt cheaply from the original creditor. Any settlement above their purchase price is profitable for them. This creates more negotiating room than with the original creditor.
Can I Be Honest?
Those who do worst at DIY negotiation aren't the ones who offered too little. They're the ones who paid before getting written confirmation, made a partial payment that reset the account clock, or panicked during a creditor call and agreed to a payment plan that didn't help them. For those negotiating independently, the single most important rule is: nothing moves without written documentation. Not a verbal agreement. Not a promise from a phone rep. Written. Every time.
What debts can be negotiated?
Unsecured debts: credit cards, personal loans, medical bills, some private student loans, IRS and state tax debt, and personally guaranteed business debt. CuraDebt covers tax debt negotiation alongside consumer debt: a combination most settlement companies do not offer.
What debts cannot be negotiated or settled?
Mortgages, auto loans, federal student loans, utility bills, child support, and alimony cannot be settled through debt negotiation programs. Any company claiming otherwise is misrepresenting its services.
Is debt negotiation worth it?
Worth it with $10,000 or more in unsecured debt, genuine financial hardship, and already behind on payments. Not worth it when there's strong monthly surplus and the balance can be paid in full within 2-3 years. The credit impact and fees need to be weighed against the savings. Results vary.
What is the difference between debt negotiation and debt consolidation?
Debt negotiation aims to reduce what is owed: the principal can be cut when a creditor agrees to settle. Debt consolidation combines multiple debts into one payment at a lower rate; the full principal is still owed. Negotiation impacts credit more but costs less total. Consolidation preserves credit better but requires paying the full balance over time.
Can Debt Be Negotiated With Bad Credit?
Yes; bad credit is expected in debt negotiation and actually helps demonstrate genuine hardship to creditors. It is not a disqualifier. Eligibility is based on debt type, balance, and financial hardship, not credit score.
What happens to debt that cannot be settled?
Creditors may file lawsuits, obtain judgments, and then garnish wages or place liens on property. This is why addressing debt early matters. Alternatives can be discussed for any account that cannot be settled through the program.
Does Debt Negotiation Affect Taxes?
Forgiven debt over $600 is taxable income and reported on IRS Form 1099-C. The insolvency exclusion may reduce or eliminate the tax impact for many clients. Consult a tax professional before completing a program to understand the specific tax situation.
How do I stop creditor calls during debt negotiation?
Under the FDCPA, third-party debt collectors must stop contact after a written cease-contact request. Original creditors are not bound by the FDCPA but typically reduce contact once an account is in a negotiation program. Creditor communication is handled by the negotiation program directly.
Can I negotiate debt after being sued by a creditor?
Yes; many settlements happen after lawsuits are filed. But do not ignore the summons. Respond within the deadline (typically 20-30 days depending on state). After responding, negotiation is still possible and often preferable to trial. Ignoring a summons results in an automatic default judgment.
What is a debt negotiation letter and do I need one?
A debt negotiation letter is a written offer to settle for a reduced amount. It documents hardship, states the offer, and requests written confirmation before payment. Always get the creditor's agreement in writing before paying - verbal agreements are not enforceable.
What is the difference between negotiating before vs. after charge-off?
Before charge-off (under 180 days delinquent), negotiation happens with the original creditor at typical rates of 35-60%. After charge-off, the debt is often sold to a collector that paid a fraction of face value and may accept 20-40%. Both windows have advantages: earlier avoids the collections notation; later often yields lower settlement amounts.
How does CuraDebt's debt negotiation program work?
Free consultation to assess debts and hardship. Eligible debts are enrolled. Payments to creditors stop while a dedicated savings account is built. Professional negotiators approach creditors once funds are sufficient, presenting settlements for client approval before any payment is made. Fees are charged only after a settlement is reached, never upfront. Not all debts eligible. Results vary.
How to Verify CuraDebt Before Calling
Verifying CuraDebt before reaching out is encouraged. The BBB profile shows the A+ rating, BBB Accreditation, complaint history, and responses. Shopper Approved shows 4.9 stars from 1,600+ clients. Customer Lobby has individual named reviews from real clients. Published settlement letters at curadebt.com/debt-settlement-letters/ show over 200 real settlements from real clients.
Explore Debt Relief Options
Submit information below to explore the available options.
Disclaimer: Debt negotiation and settlement are not appropriate for everyone. Results vary based on creditor participation, enrolled debt balance, individual financial situation, and program completion. Settlement may negatively affect credit scores and may result in taxable income from forgiven debt (IRS Form 1099-C). CuraDebt is not a law firm and does not provide legal or tax advice. Not all debts are eligible. If sued by a creditor, consult a licensed attorney. Consult a qualified tax professional regarding 1099-C implications before completing any settlement program. CuraDebt Systems, LLC is BBB Accredited and a member of the Association for Consumer Debt Relief (ACDR, formerly AADR).
Eric Pemper
Founder, CuraDebt Systems, LLC - Est. 2001
Eric Pemper founded CuraDebt in 2001 after earning a BS in Computer Engineering at UC San Diego. Over 25 years, CuraDebt has covered settlements reached with major creditors including Chase, Bank of America, Capital One, Citibank, and Discover. CuraDebt covers consumer credit card debt, IRS and state tax debt, and business debt: a combination most single debt relief companies don't offer. BBB A+ Rated, BBB Accredited, ACDR member.
BBB A+ RatedBBB AccreditedACDR MemberShopper Approved 4.9 Stars1,600+ verified five-star reviews across Customer Lobby, Trustpilot, and Shopper ApprovedFounded 2001LinkedIn
We use cookies to improve your experience, analyze traffic, and support our marketing efforts. By clicking ‘Accept’, you agree to our use of cookies. See our Privacy Policy
