How To Free Yourself From Debt

When you are in immense amount of debt which you are unable to pay off, you are trapped. Pay the minimum but your debt never seems to go down. Pay more but you end up missing payments on your other expenses as well. Being in this situation is never easy. You debt problem keeps you from enjoying your life in the way you want to. It can impede your relationship towards your loved ones. It doesn’t only ruin you financially but emotionally, mentally and physically.

Change Starts Now

Before jumping into the options you have to solve your supersized debt, change starts in your mind before anything else. You have to have the drive and the will to turn your life around and change for the better. This would mean changing your lifestyle, spending habits and other aspects of your life. These changes compliment whatever debt relief option you will take.

curadebt reviews handing money

Declaring Bankruptcy

If your financial crisis is too much and you are now considering banktruptcy, be sure to be well informed before jumping in. To qualify for Chapter 7 bankruptcy, your disposable income must be very little or totally zero. Even little to no income, the court still has to determine whether your existing assets are exempted or not. For Chapter 7 banktruptcy, it is a sort of repayment plan for individuals who have normal income and can afford to pay part of their debt.

End Your Debt For Good

The best course of action when you are financially troubled is to pay back your credit cards in full as soon as possible. But you wouldn’t be in this situation if you are able to do so would you? When you are in a situation where even paying the minimum has already caused a strain in your budget or if you accounts are already in delinquent status, the best solution would be to talk to a reputable debt relief company whose debt professionals have counseled thousands of individuals in successfully getting out of debt.

If you have secured debt, losing the asset is the most likely outcome. But for unsecured debt, there are many ways you can free up your budget on a monthly basis and have a professional help you deal with settling your debt.


Three Ways To Earn Extra Income


Do you constantly struggle to pay the bills on time? Do you want to save more money and earn additional income? In this fast pace environment where money flies as fast as time, people never run out of excuses to spend. Despite the global downtrend of the economy, the evolution of political landscape, the rise of extremism, and continuous war in the Middle East, only one thing is constant: the need for money and financial stability. To help you with your challenges, below are three suggestions on earning extra income:

1. A part time job is still a job. Is your current job not sustainable
enough? Help is needed everywhere. Don’t know where to start? Find your strength and maximize your capability. As easy as it sounds, everyone has their own set of skills whether it is as simple as baking, gardening, selling, or even taking care of pets. Develop what you have and offer your services online. Scan the internet and use technology to help you move forward by marketing yourself. Think of long term results. By doing what you are good at, you don’t only make extra income but you also find joy in what you are doing. Find
a good avenue that will need your expertise and make sure you excel at it.Begin by creating a facebook page, think of a good catch phrase. For example, if you are good at baking low fat and healthy cookies, you may use“The Skinny Baker”. Next, look for a local website that can help you advertise your service for free, connect with the right people. And once you got a customer, always prepare a name card for future references. Remember the best way to market yourself is through word of mouth so make sure to treat your customers well.

2. Sell. Take a look at your closet, kitchen, and appliances. Make money of what you don’t need. There’s treasure in your trash. It might be a time for spring cleaning; segregate what you need and what you haven’t use for the past 6 months. Most of the time, we keep things for future use which results to hoarding and piling up of unnecessary things and at the same time, taking up needless space. You need extra income now, and what’s for future use is not a priority. Sell online or at a local marketplace. You may want to do a garage sale, an online shop, or join a forum that specialize in selling second hand items.
3. Review your finances and fine tune your income. Have you ever checked your monthly bills and checked all your subscriptions? From mobile phone subscription, TV, internet service, and other expenses. What can you compromise and what can you live without? Have a thorough check and you will surprised with what you can save. Do you really watch the 100 channels you subscribed on cable TV when you are rarely at home to watch TV? How about the unlimited calls and SMS when you can use facebook messenger? Or the gym membership when you can workout at home? Compare your actual usage and what you have signed up for, and see whether you can downgrade or find an alternative cheaper subscription.
There are numerous ways of earning extra income. To summarize it all, it is about fine tuning your priorities, finding time in believing in what you can offer and how much it’s worth, sorting out your needs from wants, and finding time to rethink it over. And slowly, you will find yourself not only earning more but organized and having clearer direction. Start now. Remember that opportunity is in your hands. It may just be the peace of mind that you’ve been longing for.



18 things To Keep In Mind When Choosing A Tax Relief Company

18 things to keep in mind when choosing A Tax Relief Company

Tax Debt 1040 form

Running into Tax problems that involve you owing money to the IRS or the State can result in wage garnishment as well as having your tax refund garnished. It’s nothing new that if money is owed to the IRS or the State, these are entities that don’t have to go through the legal troubles of suing you to collect on money that they think you owe.

They can levy your assets like bank accounts, they can garnish your income, garnish your Social security and even your retirement. They can hit you with a tax lien and even seize property like real estate, vehicles and other personal assets that you may own in order to pay off the debt.

If you happen to be dealing with this type of tax issues you want to make sure you put your trust with a company that has a long lasting positive track record, below are some things to look for when choosing a company to assist you with Tax debt.

Tax Debt

1*Verify that the company you intend on doing business with has Verified Positive Five Star Reviews, you can search online in places like Customer Lobby or Shopper Approved as these are trusted sites where real people that have used the service share their experiences.

2*Search IRS websites for information on the type of tax troubles you may be dealing with and look for companies that work or Specialize in Resolving that type of issue.

3*Verify that the company you want to trust with your Taxes are members of The Online Business Bureau.

4*Confirm that the company you’re looking to do business with have More Than 15 Years of Experience capable of conducting business Nationwide.

5*Verify that the Tax Relief Company you intend on doing business with Charges a Flat Flee.

6*Confirm that the company you intend on doing business doesn’t just work with high debt loads. if they only work with high debt loads take it a sign that they are in it mainly to profit and not in your best interest.

7*Establish that the company you’re looking to trust with your Taxes will First do an Investigation, the investigation is an important determining factor in helping you find the proper solution.

8*Verify that the Tax Relief Company you’re looking to do business with have experience with tax liens, tax levy, Wage garnishments, IRS asset seizure, payroll taxes, resolving unpaid taxes, Tax penalties, Tax audits, unfiled tax returns also known as substitute for returns and many other types of Tax issues.

9*Double check to make sure that the Tax Relief Company you are wanting to do business with has experience in penalty & interest abatement, levy and garnishment release, personal and business Tax preparations, innocent spouse relief, currently non collectible, installment agreements, offer in compromise, expiration of tax debts.

10*Confirm that the Tax Relief Company you intend on doing business with has Experience with the Filing of Back Taxes and doesn’t just focus on Tax Resolutions.

11*Verify that the Tax Relief company you decide to work with offer a Written Refund Policy on Investigations.

12*Confirm that the Tax Relief company you’re looking to do business with has Tax Attorneys Working For Them.

13*Don’t forget to check that the Tax Relief Company you’re looking to work with have experienced enrollment agents with at least 20 years in the Tax Relief industry.

14*Make sure the Tax Relief Company you want to work with has Criminal Investigators as well as Tax Auditors on the roster.

15*Please verify that the Tax Relief Company you put your trust on has a CPA. (Certified Public Accountant)

16*Verify and confirm that the Tax Relief Company you’re looking to do business with handles both Federal and State Taxes.

17*Double check for these any of these certifications on their website to ensure they are a legitimate company, also to gain peace of mind that they are professionals and know what they are doing.

NATP (National Association of Tax Professionals)

ASTP (American Society Of Tax Problem Solvers)

NSTP (National Society of Tax Professionals)

18*after you have checked and verified that they possess or meet your requirements, give them a call for a consultation (if you have not already done so) to understand what your options are and how they intend on helping you resolve your Tax Debt problems.

In Conclusion

Please keep all these things in mind when placing your trust on a Tax relief company, remember it’s your future on the line, owing taxes is no laughing matter. Make sure you’re placing your tax issues with a company that’s willing to go the distance and get you the best results possible with your best interest at heart.

Creating a Startup Business

You have an idea in mind. You have a product that you know will take off. You want to have your own startup company. So many ideas come into your mind but you don’t know where to start.

They say, everyone can be an entrepreneur. Although this statement has some truth to it, not everyone becomes successful at it.

How do you become a successful entrepreneur then? Here are things you need before you start your own business.


business plan mind map

Your Business Plan

Create a business plan.

A business plan is the blue print for your startup. Not only will it put your ideas and goals into perspective, but it will also help you realize its strengths and weaknesses. It will uncover every aspect of your business to help you build it and give it better structure and support.

I don’t know how. Your business plan doesn’t necessarily have to be a formally written one. Essentially, a business plan will contain all the information you need to create the winning strategy for your startup. It contains a detailed outline of what you plan to accomplish.

  • What is the nature of the business do you want to start?
  • How does it help or solve people’s problems?
  • What are the benefits of your product/business? How viable is your product or services?
  • Who are your target customers? Who are your potential competitors?
  • What are the milestones for development? How long does it take to accomplish each?
  • How much do you need to start your business? Where can you get funding?
  • What are the possible difficulties and pitfalls you may encounter along the way? What are the solutions?

Model After Successful Entrepreneurs

You now have your own business plan, now what?

Try to find out what successful startup owners in your niche have done in order to achieve results. Surely these people have done something right to achieve the level of success they have reached.

Look for meaningful articles about successful startup owners, entrepreneurs and businesses that you may follow and model after.

Take Action

Give yourself a concrete timeline on what you need to accomplish on the road to making your startup a reality. Start with baby steps you can take in order to reach your goal.

Perhaps you need some training on business management to help you understand the financial aspect of your startup. Or maybe, you need to make a working prototype of your product. There are a lot of things you can start doing right away that will help you move forward with your plans even if you are still working full time as of the moment.

Possible Pitfalls

So you are now building your startup business. Nobody said it would be easy.  Be on the lookout for the common challenges and pitfalls that may be detrimental to your success.

Tax Problems. If you do not want to get in trouble, be sure your taxes are in-check. Some startups incur payroll problems because of misdeclarations in an effort to reduce costs.

Solution: If you have problems with tax, be sure to consult a tax professional or get tax debt relief if you are being chased for back taxes which you may not know of. Tax debt relief companies help you get the best resolution to your tax woes.

Negative Reviews. Despite your best effort in giving your best customer service, you can’t please everyone. You may have some bad reviews from previous customers or perhaps customer complaints from your service.

Solution: Even the top companies wordwide have negative customer feedbacks. The important factor is how you deal with criticism. Always have room for improvement. Examine all angles to know what might have caused people to give out less than stellar feedback.

Insufficient Funds. Perhaps you are not hitting your financial goals as of the moment. Or maybe your overhead cost is too burdensome as of the moment.

Solution: Outsource. Many short term or even long term possible job posts which you can outsource. If the work is not regular of can be done part time, examine the cost of getting a full time employee vs. outsourcing to a specialized company.


Starting a Startup business is not for everyone. It is a long process that needs time and dedication. While there is no magic formula that can determine the success of your startup, the points above will certainly put the odds in your favor.

Learn more about tax debt relief here and other debt solutions to startups here:

Advisory HQ Reviews CuraDebt’s Debt Settlement Program

Leading online media website Advisory HQ, evaluates one of the longest running debt settlement company, CuraDebt Financial Services.

Advisory HQ provided a recap of the businesses comprehensive history and as well as their length of service in the debt settlement sector. They likewise discussed just exactly how CuraDebt’s solutions function. Fees were outlined and also made clear. Reliable and trustworthy testimonial sites which include numerous 5-star reviews from clients were also highlighted.

Based on the article by Advisory HQ, below are the highlights and notable features of CuraDebt Debt Relief, Settlement and Consolidation:

curadebt reviews

Free Consultation
CuraDebt offers a no-commitment and no-obligation free consultation and assessment via phone or through a brief avaluation of your financial obligation status on their website. Through theif free debt analysis, a skilled debt counselor will provide you with the most effective and feasible remedy to your special economic circumstance. You might even get approved for their in-house program.

Debt Relief Service
CuraDebt’s debt relief program include debt settlement, non-profit debt consolidation and other payment plans depending upon your financial condition. They are expertly known for negotiating and working out with financial institutions to allow you to pay a decreased and minimized amount on your cash owed based upon the established regular monthly payments devoted to settling and repaying your financial debt. Eventually, the end objective is for customers to be able to break free of their debt responsibilities in the least possible cost and also, in minimal time.

IRS Tax Debt Relief Service
CuraDebt Tax alliance offers IRS Tax Debt Relief with the very best and most effective possible solution to your IRS tax issues.
Basing upon Advisory HQ, the company complies with the IRS in examining your tax obligations troubles an easy to understand three phase approach.
Initially, a financial evaluation and investigation is implemented. If considered necessary, the second step, compliance, is accomplished by correcting errors and submitting any missing taxes. The last step and also the last phase of the approach is the implementation of the resolution towards solving your tax problem.

5-Star Customer Rating
Additionaly highlighed was the excellent CuraDebt reviews attained throughout the years via trusted dedicated review websites. Among the websites mentioned on Advisory HQ was Shopper Approved. 104 verified and confirmed reviews with an average overall score or 4.9 out of 5 stars were pointed out.
One more relied on ranking website, Customer Lobby actually has 679 validated consumer reviews with a general average of 5 stars for the three categories, service, will recommend and lastly, overall experience.
It is likewise worth keeping in mind that another independent website, Top Consumer Reviews places CuraDebt as the Top 2 Best Debt Relief company currently consistent for 5 years.

As a whole, Advisory HQ has provided quite a comprehensive and substantial evaluation of CuraDebt. As far as the lack of transparency cited, CuraDebt has now actually added a page introducing their long standing expert debt counselors.

It’s no surprise that CuraDebt  is among the very best debt settlement companies in the industry today. Being in the business for over 16 years, they are considered to be one of the most seasoned and experienced when it comes to debt. The reviews don’t lie too. Over 750 combined reviews by real customers prove just how reliable and trustworthy they have been over the years.

Read the CuraDebt review on Advisory HQ.

Learn more about CuraDebt’s debt settlement program: 

Tips When Choosing A Debt Relief Company

CuraDebt Reviews publishes this guest post on how to choose a legitimate debt relief company.

curadebt reviews shackles of debt

Over the years, there has been an increase in the companies that offer debt relief. In the digital age, the gap between consumers and establishments have been diminished. It is very easy to reach specific target markets with ease. This is why companies with great marketing strategies may seem to impress many, but it is not necessarily the best in the industry.

How do you determine a good debt relief company? What are the signs to look for? Here are three points to consider:

Be Careful From Debt Relief Companies Asking For Upfront Fees

Many debt relief companies ask for outrageous fees upfront in exchange for their help only to end up running away with consumers’ hard earned cash. A reputable debt relief company will never ask for fees upfront. They earn from a percentage of your debt repayment savings.
As per the American Fair Credit Council (AFCC), debt relief companies who are members of this regulating body are to adhere to a strict code of conduct. They are prohibited from charging any upfront fees. If a company is a member of this organization, then it’s a good sign.

Your Debt Relief Company’s Years in the Industry

It is good to note how many years your company has been around. Even if offers sound realistic, fly by night companies will not have established a good track record over the years. Fairly new debt relief companies might be making waves because of good marketing strategies, but there’s nothing compared to a company which has been in the industry for a length of time. This signifies that they have the most experience, good governance and excellent service for having survived over the years.

Are Clients Happy With The Service

What are clients saying about the company? Are they positive or negative? A good debt relief company will have real reviews from real clients. However, you must not based your decision only from the number of reviews available. Not having the most number of reviews does not mean a company falls short. It may only mean that a company is not as large as others. A fairly mid sized company with a good reputation will have a fair amount of reviews over the years. It is good to look at older reviews too as it means that the service is consistent and continuously improving.

When making a decision that can alter your course in life, it is very important to consider all factors. Consider a debt relief company that has an excellent track record over the years, consistent in their service and most of all, a company which you feel cares for your needs.

For more information, Checkout CuraDebt Reviews on Tumblr for up to date personal finance tips.

CuraDebt Company Profile – A Debt Relief Service Provider with Amazing Reviews

curadebt logoCuraDebt is one of the most experienced debt relief services companies in the industry and has been in business for over 15 years. The company’s experienced advisors are certified help to families and businesses during times of economic hardship, save money on their unsecured debts and provide the best options for their customers. CuraDebt provides the full spectrum of debt relief services including: debt settlement, tax debt relief, debt negotiation and debt consolidation services.

CuraDebt is a member of several debt settlement industry organizations including, the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). They are also members of the Online Business Bureau, Netcheck Commerce Bureau and the U.S. Chamber of Commerce.

CuraDebt Reviews and Testimonials
While you can find numerous CuraDebt reviews online, listed below there are  some recent examples of their award winning service and wonderful customer testimonials to help you make an informed decision about your debt relief provider.  CuraDebt has over seven hundred and fifty positive reviews from happy customers who were previously in a financial situation similar to your own.


Curadebt Review Elizabeth

Curadebt Review Greg

Curadebt Review Michael

Curadebt Review Sue

Review site, Shopper Approved awarded CuraDebt with a Five Star Excellence Award where they have consistently received positive customer reviews. Consumer watchdog site, Top Consumer Reviews has ranked them #1 for seven years in a row for debt settlement and tax debt relief services. Another review site, Customer Lobby showcases all of their wonderful reviews and displays a perfect 5 out of 5 star rating.


How CuraDebt Works
CuraDebt offers a complementary analysis of customers’ debts which does not involve a credit check and is 100% confidential.  An experienced professional reviews the best debt reduction/elimination possibilities without any obligation, whatsoever. They will provide a customized plan which details the course of action, any related fees and the results to expect. CuraDebt advisors can help customers with the following types of unsecured debts:

  • Credit card debts
  • Personal loans
  • Lines of credit
  • Overdue medical bills
  • Collections
  • Repossessions
  • Debts incurred from a business
  • Tax debts from the IRS or States

CuraDebt cannot assist customers with “secured debt”, or debts tied to property. These types of debt include: home loans or mortgages, auto loans, utility liens and lawsuit liens. Once you agree to use their services, the company provides a seasoned team of lawyers, financial advisors and debt experts to work on your behalf. This group has extensive experience in negotiating and making settlements with creditors. In addition, they will take all of the calls from lenders and collection agencies so you never have to hear from them again.

CuraDebt Fees
CuraDebt offers a free, no-obligation debt evaluation consultation where a debt relief professional will meet with you to discuss your situation and determine the best course of action. The company does not charge any upfront fees and is upfront about and charges you may incur. The overall costs will vary based upon the number of creditors owed, credit balances, customer’s ability to pay monthly and the amount that can be negotiated down.

While CuraDebt doesn’t guarantee to eliminate all of your debt, the volumes of positive reviews and their industry accolades indicates that they are truly a great company to work with to reduce the burden of unsecured debts. CuraDebt can be reached at 877-850-3328. The company is active on social media and you can visit them on Facebook, LinkedIn, Twitter and Google Plus.