Cura Deuda

What Cura Deuda does

Cura Deuda (legally Cero Deuda, S.A.P.I. de C.V.) is a Mexico-based, privately held credit repair company founded in 2011 by Daniel Carvallo and Javier Ruiz Galindo. The company serves over-indebted Mexican consumers — adults holding multiple delinquent credit products across banks, credit cards, department stores, and financieras who cannot meet their obligations through conventional means. Its core service is a personalized debt liquidation program in which clients make monthly contributions into a managed account for up to 24 months; Cura Deuda then uses the accumulated balance to negotiate lump-sum settlements with creditors at discounts historically ranging from 40% to 90%. Unlike consolidation or refinancing, the program does not involve issuing new loans, and clients receive free legal and financial advisory from initial contact through program completion, plus a certificate of debt liquidation and Buró de Crédito remediation support.

The underlying platform is a CRM-based case management system hosted at app.curadeuda.com, accessible via web and mobile applications, which enables financial advisors to track each client case and allows clients to monitor program progress. Cura Deuda monetizes through three fee streams embedded in the client's monthly contribution: a 0.55% monthly management fee (capped at 24 months), a one-time 1.0% account opening fee on total debt entered, and a 15% success fee on the discount negotiated with creditors. The go-to-market motion is a hybrid of sales-led (WhatsApp-first advisor consultations, in-person financial advisors on base-plus-commission compensation) and self-serve (web registration and financial education blog). Distribution is single-country / domestic — exclusively Mexico — with content marketing, social media, and a structured five-tier referral program (paying MXN 799–2,300 per converted referral) as primary acquisition channels. Cura Deuda has accumulated 160,000+ individuals advised, 123,000+ accounts liquidated, MXN 1B+ in cumulative debt entered into the program, and 1.58M+ free consultations since inception, and raised US$1.3M in a March 2022 seed round led by Magma Partners and Anteris earmarked for technology development and Latin American expansion.

Name

Cura Deuda

Legal name

Cero Deuda, S.A.P.I. de C.V.

Website

https://curadeuda.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

Cura Deuda is a Mexico-based credit repair company that helps over-indebted individuals negotiate and liquidate bank and consumer debts at discounts of up to 70% through personalized monthly contribution programs, without issuing new loans. Founded in 2011, it has advised over 160,000 people and liquidated 123,000+ accounts.

Ownership category

akta.pro rank

Product category

Credit Repair and Debt Resolution Services

NAICS

Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

akta.pro secondary industry

Debt Settlement / Negotiation Programs (Non-loan) (FSAKAIAK)

Keywords

• Debt resolution services
• Credit repair
• Debt settlement
• Financial advisory
• Credit counseling

Headquarters

HQ city

Polanco

HQ country

Mexico

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Monthly Management Fee: Clients pay a monthly fee of 0.55% of the total debt entered into the program, charged for a maximum of 24 months. This fee is included in the monthly contribution amount, with no additional disbursements required at program conclusion.
2. Liquidation Success Fee: A one-time fee equal to 15% of the discount obtained from creditors. For example, on a 100,000 MXN debt settled at 30,000 MXN (70,000 MXN discount), the fee is 10,500 MXN. This is incorporated into the monthly payment contribution.
3. Account Opening Fee: A one-time account opening commission calculated as 1.0% multiplied by the total debt entered into the program, as specified in the contract cover page. VAT is applied to all fee types.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Cura Deuda negotiates lump-sum settlements of overdue debts directly with Mexican creditors (banks, credit cards, department stores, financieras) on behalf of clients, using the client's accumulated monthly contributions rather than new loans. Clients enter a personalized debt liquidation program with discounts of up to 70% (historically 40-90%), supported by free legal and financial advisory and tracked through an online client portal.

Product overview

Cura Deuda is a 100% Mexican credit repair company offering a unified debt liquidation platform. The core offering is its personalized debt liquidation program with monthly contributions that negotiates discounts up to 70% with creditors. This is supplemented by free financial and legal advisory services, an online self-service platform for monitoring progress, a referral program for client acquisition, and a financial education blog. The company does not offer consolidation, refinancing, or new loans.

Differentiator

Problem solved

Functional benefit

Products and services

• Programa de Liquidación de Deudas (Debt Liquidation Program) A personalized debt liquidation program for over-indebted Mexican consumers (18+) holding multiple credit products (credit cards, personal loans, department store cards, payroll credits) with banks, financieras, and department stores. Cura Deuda negotiates lump-sum settlements directly with creditors using the client's accumulated monthly contributions, targeting discounts of up to 70% (historically 40-90%) without issuing new loans. Includes free legal and financial diagnostic, customized monthly contribution plan, creditor negotiation, collection call management, credit bureau (Buró de Crédito) improvement support, certificate of liquidation, and online progress tracking via app.curadeuda.com.

Quantifiable outcome

• Discounts of 40%–90% achieved on negotiated debts (primary claim: up to 70%)
• +5 more outcomes

Named customers6 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered minor.

• RappiminorOthersRappi is listed as a strategic partner on Cura Deuda's website, though the specific nature of the partnership is not detailed in the available sources. It may represent a commercial or referral arrangement.
• UberminorOthersUber is listed as a strategic partner on Cura Deuda's website, though the specific nature of the partnership is not detailed in the available sources.
• DidiminorOthersDidi is listed as a strategic partner on Cura Deuda's website, though the specific nature of the partnership is not detailed in the available sources.
• InvestedminorOthersInvested is listed as a strategic partner on Cura Deuda's website, though the specific nature of the partnership is not detailed in the available sources.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Resuelve tu Deuda: Mexican debt settlement/negotiation company offering a comparable consumer debt liquidation program, directly competing with Cura Deuda in the same geography and customer segment.
• Bravo (formerly Bravo Apoyo): Mexican financial wellness platform providing debt management and credit repair tools to over-indebted consumers, overlapping directly with Cura Deuda's core offering.
• Taller de Libertad Financiera: Mexico-based credit counseling and debt management service, offering consumer-facing debt resolution programs similar in structure to Cura Deuda's.

Broad incumbents

• National Debt Relief: One of the largest US consumer debt settlement firms, providing a comparable service model (negotiating lump-sum discounts with creditors on behalf of consumers) at materially greater scale.
• Freedom Debt Relief: Major US debt settlement company with a fee structure (percentage of enrolled debt and performance-based fees) closely mirroring Cura Deuda's model.
• GreenPath Financial Wellness: US nonprofit credit counseling and debt management organization; while not a settlement firm, it operates in adjacent consumer credit advisory territory with comparable client outcomes.

Emerging players

• Accredited Debt Relief: US-focused debt settlement firm offering consumer debt negotiation services with a similar outcome-based fee model, useful as a comparable for Cura Deuda's go-to-market and pricing.

Regional players

• Take Charge America: US-based credit counseling agency providing debt management plans and financial education — relevant for benchmarking Cura Deuda's education-led content marketing and counseling motion.

Others

• Yotepresto: Mexican fintech peer-to-peer lending platform; operates in Mexican consumer credit but uses a fundamentally different (lending) model, useful as an adjacent fintech comparable.
• Kueski: Leading Mexican online consumer lender; competing for the same over-indebted Mexican consumer but offering credit rather than debt resolution, positioning it as a counterpart rather than direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Curadeuda
• Facebookfacebook.com/CuraDeuda
• LinkedInlinkedin.com/company/cura-deuda
• Instagraminstagram.com/curadeuda

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cura Deuda