13 Ways to Get Out of Debt Faster

Whether you have credit card debt, car loans, student debt, or all of the above, owing money is no walk in the park. While it seems easy to get into debt, getting out of it is a lot harder. Interest compounding on top of your principal can make payments extraordinarily high. Even if you make…

Everything You Need to Know About Filing for Bankruptcy

The mere thought of filing for bankruptcy is enough to make anyone nervous. But in some cases, it really can be the best option for your financial situation. Even though it stays as a negative item on your credit report for up to ten years, bankruptcy often relieves the burden of overwhelming amounts of debt.…

How to Negotiate with Creditors

Whether your mailbox is stuffed full of past due notices or your phone is ringing off the hook, you can’t ignore your creditors forever. And it’s always better to try and work out a deal before the situation becomes serious, or worse, your debt gets sent to a collection agency. Negotiating with your creditors can…

Verizon Collections – How to Remove Them from Your Credit Report

The Verizon bill that you’ve been ignoring has now gone into collections and the calls are flooding in. What now? It depends on how long the account has been in collections and if they’ve reported it to the credit bureaus. If the account was recently sent to collections, the good news is you can resolve…

What Are the Best Debt Relief Options?

What is Debt Relief? Debt relief is any strategy you take to get out of debt or to manage your debt so that you can function normally and keep up with your bills and living expenses. It usually refers to situations in which your debt has become too overwhelming to manage on your own. Debt…

How to Get Out of Debt in 2018: 6 Steps to Financial Freedom

When controlled properly, debt is a valuable tool. Loans allow us to buy houses, cars, and educations. Lines of credit make spending more convenient. And payment plans save us from having to dealing with major expenses, such as out-of-pocket medical costs. A Guide to Managing & Getting Out of Debt While debt is often necessary…

Best Debt Consolidation Loan Companies of 2018

Life can feel overwhelming when you’re saddled with loads of debt from different creditors. Maybe you carry multiple credit card balances on top of having a high-interest personal loan. Or maybe you have a loan with an adjustable rate and your payments are starting to rise each month, making your budget more and more uncomfortable.…

5 Tips to Manage Your Debt Effectively

Love it or hate it, debt is an integral part of modern life in the United States. And, when you think about it, debt in itself really isn’t a bad thing. Neither are credit cards or loans. They only become a potentially negative thing when they’re misused or mismanaged. And once they get out of…

3 Tips to Effectively Consolidate Credit Card Debt

It’s not easy to feel overwhelmed by credit card debt. Maybe you’re having trouble keeping up with your monthly payment minimums, or maybe you just don’t see how you’ll ever get out from underneath that massive pile of debt. If you’re worried about your accounts being sent to collections or you just need help putting…

What Is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a law originally passed in 1978 in order to protect consumers and regulate the tactics that can be used to by debt collectors. If you have had collection agencies hounding you over a debt, it is imperative that you know what you rights are as outlined in…