What Sets Us Apart

Founder, CuraDebt · Est. 2001

BBB A+ Rated · BBB Accredited · ACDR Member · 1,600+ Five-Star Client Reviews

Last updated: June 2026

What sets CuraDebt apart is 25 years of experience since 2001, a published track record, and a matching model that connects you with the right independent partner instead of pushing one product. CuraDebt is BBB A+ rated and accredited, a member of the Association for Consumer Debt Relief, and covers tax and business debt, not just credit cards. But the real difference is honesty: we are upfront about our own track record, complaints and all, and we would rather you verify it yourself than take our word for it. That is the part that matters when you are deciding who to trust.

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Eric's Take

Let me talk to you the way I would want to be talked to if I were the one researching a debt relief company at midnight, worried and skeptical. You should be skeptical. This industry has companies that were incorporated last Tuesday and are already running ads, sitting right next to companies that have genuinely helped people for decades. From the outside they can look identical.

So here is how I would check us out, and I mean actually check, not just believe a page I wrote. Do we have complaints? Yes. Every company that has been around 25 years does. But look at the trend, not the total. Fifty complaints over three years with only two in the last year means a company is improving. Forty-eight of those fifty in the last year means the opposite. Open our BBB profile and look at the dates yourself. I would rather you do that than trust my marketing.

The only way you stay around a long time in this business is by doing the right thing, over and over. I grew up with money tight, and I do not take people's trust lightly. That is the whole philosophy, and everything below is just the proof.

Eric Pemper, Founder, CuraDebt

The Honest Differences

25+ years, since 2001

Founded as part of Pemper Companies in California, later incorporated as CuraDebt Systems. Decades of patterns you cannot fake.

BBB A+ Rated and Accredited

Two separate designations. And a complaint trend you can check yourself, which matters more than the letter grade.

Tax and business debt too

Most companies only touch credit cards. CuraDebt connects you to help for tax debt and business debt as well.

A matching model, not a sales pitch

We connect you with the right independent partner for your situation, instead of steering everyone toward one product.

A published track record

Real settlement letters dating back to the late 1990s, and strong scores on Google, Trustpilot, and Shopper Approved.

Honest about our own record

We point you to our complaints and results, not just our wins, and we match you to a partner who should do the same. That honesty is the whole point.

If You Are Skeptical, Good

You should be. The right way to judge any debt relief company, including this one, is with hard facts, not a slogan. Check how long it has operated. Open the BBB profile and read the recent complaints, not just the rating. Look for real, published results. See whether it is honest about risks. Confirm there are no illegal upfront fees and no guarantees. Apply that test to CuraDebt and to anyone else you are considering. We are comfortable being measured that way, that is the point of this page.

One More Honest Thing

CuraDebt does not do the debt work itself anymore. What we do now is connect you with the right independent, reputable partner for your situation, settlement, a debt management plan, a consolidation loan, tax relief, or business help. The reason that is better for you is simple: you get matched to what actually fits, instead of being sold whatever one company happens to have on the shelf. And you can hold whoever we match you with to every standard on this page.

Eric Pemper, Founder, CuraDebt

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Frequently Asked Questions

Is CuraDebt legit?

Yes. CuraDebt has operated since 2001, holds a BBB A+ rating, is BBB accredited, and is a member of the Association for Consumer Debt Relief. It publishes real settlement letters dating back to the late 1990s and has strong third-party review scores. Like any long-standing company it has some complaints, what matters is that recent ones are few and resolved. Always verify any company's record yourself, including ours.

Does CuraDebt have complaints with the BBB or FTC?

Any company that has been around 25 years has some complaints, and pretending otherwise would be dishonest. What matters is the trend. The honest way to judge any company, including CuraDebt, is to open the BBB profile and look at whether recent complaints are few and resolved or piling up. We would rather you check that yourself than take our word for it. A clean recent record is the real signal.

What actually makes CuraDebt different?

Three things. First, longevity, since 2001, with the institutional knowledge that comes from decades of debt and tax work. Second, range, CuraDebt covers tax debt and business debt, not just credit cards. Third, the model, CuraDebt now connects you with the right independent partner for your situation rather than pushing one product, so the answer is matched to you, not to what someone is trying to sell.

Does CuraDebt do the debt relief work itself?

Not anymore. CuraDebt transitioned to a matching model: it connects you with the right independent, reputable partner for your situation, whether that is settlement, a debt management plan, a consolidation loan, tax relief, or business debt help. The advantage is that you are matched to a fit, instead of being sold whatever one company happens to offer.

How is CuraDebt different from other debt relief companies?

Most companies offer one product and steer everyone toward it. CuraDebt connects you with the option that actually fits, across consumer debt, tax debt, and business debt. Add 25 years of history, a published track record of settlement letters, and a habit of being upfront about our own record rather than hiding it, and the difference is mostly about honesty and fit rather than a single flashy promise.

Can I trust online reviews of CuraDebt?

Use them, but do not stop there. Review scores are a useful signal, CuraDebt has strong ratings across Google, Trustpilot, and Shopper Approved, but reviews can be gamed anywhere, so pair them with hard facts: how long the company has operated, its BBB complaint trend, real published results, and whether it is transparent about risks. The combination is far more reliable than any single star rating.

Is CuraDebt a scam?

No. A scam takes your money and disappears or charges illegal upfront fees. CuraDebt has a 25-year track record, public settlement letters, BBB accreditation, and industry membership, and it connects you with reputable independent partners. That said, you should hold any debt relief company to the same test: real credentials, no illegal upfront fees, no guarantees, and honesty about the downsides. We welcome that scrutiny.

How long has CuraDebt been in business?

Since 2001, more than 25 years. It began as part of Pemper Companies in California and was later incorporated as CuraDebt Systems. That longevity matters: in this industry, the only way a company stays around for decades is by doing right by people, over and over. Many companies running ads today were incorporated recently, the track record is part of what sets the established ones apart.

This page is for information only and is not legal, financial, or tax advice. CuraDebt is not a lender, law firm, or credit counseling agency; it connects consumers with independent partner firms. BBB A+ Rated and BBB Accredited are two separate designations. Review scores are accurate as of publication and may change. Not all debts are eligible for all programs.