Debt

  • Unable to Pay Credit Card Debt? Fast Ways to Remove Debt Problems

    Unable to Pay Credit Card Debt? Fast Ways to Remove Debt Problems

    Although nobody wants to be in a position where they are unable to pay credit card debt, it isn't the end of the world. Borrowers must focus on their priority debts - paying the mortgage, car loans and utility bills - because failing to do so has far more dire consequences.

  • Consumer Information About Collection Agency Settlement Offers

    Consumer Information About Collection Agency Settlement Offers

    Debt collectors will often offer debt settlement programs to consumers to coerce them to pay a debt. Although settlement offers may sound like a good deal, consumers should stay informed to protect their credit scores and their wallets.

  • Permanent Debt Elimination Strategies

    Permanent Debt Elimination Strategies

    The best way to eliminate debt is to develop a getting out of debt plan that can be stuck to. Getting out of debt and staying out of debt requires patience, budgeting, and a more frugal lifestyle.

  • A Guide to Reducing Debts by Switching Credit Card Deals to 0%

    A Guide to Reducing Debts by Switching Credit Card Deals to 0%

    Despite their best intentions, many consumers find credit card debt hard to manage. Making regular repayments may make in a dent in their balance on paper but, once interest is added to the money they still owe, they may simply feel like they're getting nowhere fast. One option that may give an alternative solution is switching to a 0% balance transfer credit card deal. So, how do these deals work?

  • How to Get Out of Debt: Four Basic Steps to Financial Freedom

    How to Get Out of Debt: Four Basic Steps to Financial Freedom

    A typical college grad can rack up to ten thousand dollars in less than three years, with the collective help of plastic pals Visa, Mastercard, Amex and a variety of store cards. And that may not include car loans.

  • Six Steps to Dealing With Creditors and Collection Agencies

    Six Steps to Dealing With Creditors and Collection Agencies

    Many people periodically find themselves in financial difficulty with credit cards and mortgage payments. Rather than avoid the problem, there are some things that can be done to get started on the road to recovery.

  • How to Avoid Debt Relief Scams: Helpful Tips to Recognize Debt Help Fraud

    How to Avoid Debt Relief Scams: Helpful Tips to Recognize Debt Help Fraud

    When seeking debt relief, many shameful individuals will simply take advantage of the consumer’s financial hardship.

  • Prevent a Credit Card Company From Charging Off an Unpaid Balance

    Prevent a Credit Card Company From Charging Off an Unpaid Balance

    Individuals who fall behind on their credit card payments are in danger of a charge-off. Steps can be taken to prevent this process in order to avoid such negative consequences as derogatory information on a credit report, lawsuits and a potential wage garnishment.

  • Working Towards Debt Reduction and Elimination

    Working Towards Debt Reduction and Elimination

    Today, more and more people are living a credit-fueled lifestyle, rushing out to spend money on things that they simply can't afford. From student loans to personal payments and credit card bills, the amount of spending that modern consumers rack up in a single week puts their financial situation deeper and deeper into the control of someone else - most often, the credit card company.