|Our Review Costs & Features User Reviews
We have awarded CuraDebt our prestigious Silver Award in this category, having reviewed 12 US Debt Consolidation Services. Read our review below to find out why...
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CuraDebt is a well-established debt consolidation and counseling service that has been helping consumers and business owners reduce debt and get a handle on their financial challenges since 1996. Over 10,000 individuals and families get help from CuraDebt annually, with some $250 million in debt settled since their founding. We liked the fact that CuraDebt offers much of its services absolutely free of charge, with no credit check or upfront fees required. Consumers are welcome to use these resources to start a plan to reduce debt on their own, or they can choose to work with an experienced debt counselor. Many would regard CuraDebt as one of the better debt reduction services available.
CuraDebt charges an initial retainer fee ranging from 2.5% to 5% of the total debt, plus 20% of the amount of debt that CuraDebt may be able to save the client. This is somewhat different to other debt consolidation companies who charge a flat rate of 15% of the total debt. You will have to assess whether this kind of payment structure is likely to suit your particular circumstances.
Although CuraDebt does not offer financial calculators, it does have links to some helpful debt negotiation articles and letter templates. We found that as compared to some of the other debt consolidation sites, CuraDebt has far more free tools that anyone can use on an individual basis for a variety of debt problems. From downloadable debt negotiation letters to free community forums, CuraDebt offers more than the average debt consolidation service for both personal and business debt matters. One may choose to take advantage of the personal, no obligation debt counseling offered by CuraDebt, but it is not absolutely necessary to go through this process to resolve all of your debt concerns. The average consumer should certainly be able to glean a great deal of knowledge and support by visiting the CuraDebt website and it is easy to find the information needed.
In addition to a wide range of free tools and resources available to anyone who visits their website, CuraDebt provides access to helpful debt counselors and financial advisors. Within minutes of filling out the easy savings estimate form on the home page, you have access to a personal debt counselor who can help you navigate the often complicated journey of cleaning up debts, collections actions and liens against your property and accounts. Although experienced and helpful, CuraDebt's debt counselors are not, as far as we can tell, certified by the International Association of Professional Debt Arbitrators (IAPDA). If such industry accreditations are important to you then CuraDebt may not be the right firm for you. CuraDebt has been around for quite some time and has good ratings with associations like Netcheck.com, OnlineBusinessBureau.com, and Dun & Bradstreet. However, unlike some of its competitors, it is not currently accredited with the well-regarded Better Business Bureau (BBB).
No debt consolidation firm ticks all the important boxes, but CuraDebt comes reasonably close, with a good range of freely accessible features and an innovative pricing structure. The free features are worth exploring at the very least.
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