Curadeuda

Curadeuda is a Mexican credit repair and debt negotiation platform that specializes in helping individuals resolve overdue debts through structured settlement programs. Founded in 2011 by co-CEOs Javier Ruiz Galindo and Daniel Carvallo and based in Mexico City, the company serves as an intermediary between debtors in collections and their creditors, negotiating debt reductions that can reach up to 70-80% off the original amount owed. The platform targets individuals facing financial distress due to misuse of credit, medical emergencies, or income loss. Curadeuda's digital platform automates the debt assessment process by connecting directly to credit bureaus, allowing clients to review their credit reports and receive customized debt repayment proposals online. Clients enroll in programs typically lasting 16-20 months, during which they make monthly deposits into dedicated accounts. These funds are used to negotiate and settle debts with creditors. The company provides continuous support throughout the program, including financial counseling, management of collection calls, and assistance with understanding consumer debt rights. Curadeuda reports a high Net Promoter Score of approximately 80 points, reflecting strong customer satisfaction. The company operates in a growing Mexican consumer credit market with around 27 million credit cards and a delinquency rate of approximately 15%. The platform combines technology-driven efficiency with personalized advisory services, allowing clients to complete enrollment online while maintaining access to human advisors when needed. Curadeuda's approach focuses on helping clients achieve financial freedom by settling debts quickly and affordably while improving their credit standing.