What Is Innocent Spouse Relief?
October 27, 2023
Innocent Spouse Relief is a legal provision that allows a taxpayer to be relieved of the responsibility for paying taxes, interest, and penalties resulting from a joint tax return when their spouse or ex-spouse improperly reported or underreported income or engaged in fraudulent activities without their knowledge or consent. This relief is designed to protect…
How to Write a Debt Settlement Proposal Letter: Template and Checklist
October 27, 2023
By Eric Pemper, Founder of CuraDebt25 years in consumer debt relief and FTC/TCPA compliance · Last updated August 17, 2026 A debt settlement proposal letter is a written offer you send to a creditor or debt collector asking them to accept specific payment terms to resolve an account. It should identify the debt, explain the…
Debt-To-Income (DTI) Ratio: What’s Good And How To Calculate It
October 26, 2023
Eric Pemper Founder, CuraDebt · Est. 2001BBB A+ Rated · BBB Accredited · ACDR Member · 1,600+ Five-Star Client ReviewsLast updated: September 1, 2026Debt-To-Income Ratio: What's Good And How To Calculate It Your debt-to-income ratio is total monthly debt payments divided by gross monthly income, times 100. A DTI of 36% or below is favorable,…
What Is A Penalty Abatement And How Do I Get One?
October 26, 2023
Taxes can be tricky, especially when you owe money. When you do your taxes, sometimes you have to pay extra because of interest or penalties. These extra charges are like a message from the IRS saying you didn't pay everything or made a mistake on your taxes. If you ignore these charges, the extra money…
IRS Audit Representation Services
October 25, 2023
IRS Audit Representation Services IRS audit representation services provide individuals and businesses with crucial support and expertise when facing an IRS audit. These services offer several valuable benefits, including professional guidance and representation throughout the audit process, reducing the stress and time commitment for those being audited. Skilled tax professionals can help ensure compliance, minimize…