FTC-Compliant DTI Restructuring & IRS Tax Relief • $0 Upfront Fees

Unsecured Debt Settlement & IRS Tax Relief Pre-Qualifier ($10k – $100k+)

Q: Can IRS and state back taxes be combined with unsecured credit card debt?

Yes. Borrowers facing both revolving credit card balances and IRS or state tax liabilities ($10,000+) can request a unified evaluation covering IRS Fresh Start installment agreements, Offer in Compromise (OIC) qualification, and unsecured principal negotiation.

Lower your monthly debt-service obligations and check your eligibility in 60 seconds for performance-based principal reduction on credit cards, medical bills, unsecured personal loans, and IRS/state back taxes through our accredited partner CuraDebt (AWIN Advertiser ID 88085 • Publisher ID 2971961).

$0 UpfrontFTC TSR 16 CFR Part 310

Soft Pull OnlyZero FICO Score Impact

24–48 MonthsAccelerated Resolution

24+ Yrs AccreditedAWIN Partner #88085

PRIORITY INBOUND DEBT-RELIEF CALL DESK • AWIN PARTNER #2971961Live DTI & Debt Restructuring Specialists • Mon–Fri 8:00 AM – 8:00 PM EST

Speak Directly With a Senior Unsecured Debt & IRS Tax Relief Specialist

Carrying $10,000 to $100,000+ in high-APR revolving credit cards, medical collections, unsecured personal loans, or IRS back taxes that are elevating your Debt-to-Income (DTI) ratio? Call our toll-free CuraDebt specialist desk for a confidential principal-reduction evaluation with $0 upfront fees.

$0 Upfront Settlement Fees (FTC TSR 16 CFR Part 310 Compliant)
Qualifying Balances: $10,000 – $100,000+ ($20,000+ Priority Tier)
Direct Inbound Call & Warm Specialist Transfer Available

Specialists Available • Est. Hold Time < 45 Sec

CALL TOLL-FREE FOR CONFIDENTIAL REVIEW1-877-850-3328 Or Complete 60-Second Online Evaluation →

No Hard Credit Pull Required to Check Eligibility • Accredited 24+ Year Track Record

✓ VERIFIED PARTNER MATCH ($25,000 ELIGIBLE IN FL)AWIN Advertiser #88085 • Publisher #2971961

Interactive DTI & Principal Reduction Simulator

1. Select Total Unsecured or IRS Tax Debt Balance:$25,000

2. State of Residence

3. Primary Relief Track

Current Minimum Payments (24% APR)

$875 / mo

Compounding revolving interest

Estimated 36-Mo Settlement Deposit

$333 – $403 / mo

Single dedicated FDIC-insured account

Projected Monthly DTI Relief

Up to $542 / mo relief

Restores monthly household cash flow

Projected Payoff & Total Outflow ComparisonEst. $46,250 lifetime interest & principal avoided

24% APR Revolving Minimums (14+ Years)$59,500 est. 14-yr total

36-Mo Performance Settlement Program$13,250 est. 36-mo total

Continue Directly to CuraDebt Official Evaluation →

UNDERWRITING OPTION MATRIX

How Performance Debt Settlement Compares to Conventional Alternatives

Evaluate how principal negotiation stacks up against high-APR minimum payments, consolidation loans, and court-supervised bankruptcy before committing:

Resolution Strategy	Est. Monthly Payment	Payoff Horizon	Principal Reduction	Upfront Fees	Ideal Credit / DTI Profile
Performance Settlement (CuraDebt)	40%–55% Lower	24 – 48 Months	Yes (Negotiated)	$0 Upfront (FTC TSR)	$10k–$100k+ unsecured or tax debt; elevated DTI
Unsecured Consolidation Loan	Fixed (11%–29% APR)	36 – 60 Months	No (100% Principal + APR)	1%–8% Origination Fee	680+ FICO score & DTI under 40%
24% APR Credit Card Minimums	3.5% of Balance / mo	14 – 22+ Years	No (2.3x+ Total Cost)	Annual Card Fees	Not recommended for balances > $5,000
Chapter 7 / 13 Bankruptcy	Court Trustee Plan	3 – 5 Yrs (10-Yr Record)	Court Discharge	$1,500–$4,000 Legal Fees	Severe insolvency; public court filing

STEP-BY-STEP ELIGIBILITY VERIFICATION

Request Your Confidential Debt & Tax Relief Assessment

Selected Profile: $25,000 • State: FL

Complete the secure assessment below to verify state program availability and receive a customized principal-reduction and monthly savings breakdown:

UNDERWRITING & REGULATORY FAQ

Frequently Asked Questions About DTI Restructuring & Settlement

Why is resolving $10,000+ in high-APR unsecured debt critical before applying for a home or auto loan?

Mortgage and auto underwriters evaluate your back-end Debt-to-Income (DTI) ratio. Carrying $25,000+ in 24% APR revolving credit cards adds $875+ per month to your required debt service, frequently pushing back-end DTI above the 43% Qualified Mortgage (QM) limit. Resolving unsecured principal restores monthly cash flow and strengthens future borrowing capacity.

Are any upfront fees charged before a settlement is reached?

No. Under the Federal Trade Commission Telemarketing Sales Rule (16 CFR Part 310), performance-based settlement programs charge $0 upfront fees. Settlement fees are earned strictly after a reduction agreement is negotiated with your creditor, approved by you, and at least one payment is processed.

Can IRS and state back taxes be combined with unsecured credit card debt?

Yes. Borrowers carrying both revolving credit card or personal loan balances and IRS or state tax liabilities ($10,000+) can request a unified review covering IRS Fresh Start installment agreements, Offer in Compromise (OIC) qualification, penalty abatement, and unsecured principal negotiation.

FTC Telemarketing Sales Rule (16 CFR Part 310) & Consumer Disclosures

Zero Upfront Settlement Fees: In strict compliance with federal FTC regulations, no settlement fees are charged until a mutually agreeable reduction is negotiated with your creditor and at least one payment is processed. Estimates are illustrative based on historical settlements; individual outcomes vary by creditor, delinquency status, and state availability.