Debt settlement is one of several things that may help you fix your debt problems. It may not work in all cases, and it could very easily make your credit problems much worse. But if you want to avoid bankruptcy, it’s a strategy that is certainly worth consideration. What is Debt Settlement? Debt settlement is […]
Debt Negotiation Is Likely To Have Negative Consequences On Your Finances
There are several ways for you to deal with your debt and credit problems, including debt negotiation, debt settlement, and bankruptcy. In this article, I want to focus on debt negotiation, since it is probably the least understood of the three. Debt negotiation is your effort to get a creditor to agree to lesser terms […]
When Bankruptcy Is the Best Solution For Credit and Debt Problems
The very word “bankruptcy” is intimidating. Just the mention of the word conjures up visions of living on the street and being penniless, and even of not having a future. That’s more than a bit of an exaggeration of course. But there are serious consequences involved in bankruptcy filing that you should take very seriously […]
What to Do if Your Income Isn’t Covering Your Expenses
Do you find it difficult to make ends meet each month? Do you shake with worry when some unexpected major expense pops its ugly head? If so, you’re not alone. An unsettling report came out back in 2011 that indicated that 64% of American households don’t have as much as $1,000 to handle an emergency. […]
How To Deal With Mean Debt Collectors
I remember when I was about 14 years old. There was a period of several months when my parents told me NOT to answer the phone under any circumstances. I thought it was strange at the time of course but as a good little Pilgrim, I listened. It didn’t take long to figure out what […]
When It’s Time to Get Help With Your Credit
It’s only natural to push off dealing with credit problems. On the one hand, it’s uncomfortable and can be a little degrading. On the other hand, there is always a chance that things could improve and that everything will work out. The problem is that every day you wait costs money. And that means that […]
How Rich People Get Into Debt And How To Avoid It
This may be difficult for you to believe but over the course of my 30 year career as a financial advisor, I’ve seen plenty of rich people who suffer from ruinous spending. This can often create large accumulated debts which many find unable to pay. As a result, many wealthy folks find themselves broke and […]
How Long Does It Take to Re-establish Credit After a Bankruptcy?
If you’ve ever had a bankruptcy, your one overpowering thought, almost as soon as you’ve filed, is “how soon can I get this off my credit report?” That’s because a bankruptcy turns your entire world upside down – and not just your finances. Obviously since employers, landlords, insurance companies, creditors and potential business partners review […]
Credit Utilization – How It Can Help You, How It Can Hurt You
If you are working on boosting your credit score, you’ve undoubtedly heard the term “credit utilization”. But what is it, why is it so important, and how should you use it? Let’s take a look. What is a Credit Utilization Ratio? Credit utilization is expressed as a percentage – or ratio – of the amount […]
What Are the Risks of Do-It-Yourself Credit Repair?
For the right person Do-It-Yourself credit repair is smart. Of course the cost savings is sweet but that’s just the beginning. You also learn a lot and it’s empowering to see the positive results of your own action. On top of all this, when you work on your own credit repair, you completely avoid the […]
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