Moving Beyond Debt

Calls from creditors and debt collectors are frustrating and disruptive. If you are pursuing debt settlement, delaying payment to your creditors will give you the leverage needed to negotiate a settlement, but it may also lead to an increase in creditor calls. 

Debt settlement is a great debt relief option for many people. However, even after you’ve decided to take the plunge and resolve your debt through settlement, you may feel unclear about what to expect while you complete the program. We’ve taken our experience helping thousands of people get out of…

Debt settlement, debt consolidation loans, bankruptcy, and traditional repayment plans share a common purpose: they are a pathway to getting out of debt. Although the end goal is the same, they employ very different strategies and can have significantly different impacts on your long-term financial health. The form of debt…

Budgeting is often misunderstood. You may view it as restrictive and complicated, or you may have tried budgeting in the past and struggled to stick with it. Maybe you’re actively tracking your finances and looking for ways to make the process more efficient. Whatever your previous experiences are, creating and…

The decision to file for bankruptcy is never easy. If you’re weighing your debt relief options or currently working through a debt settlement program, you may have considered whether bankruptcy is right for you. Although it can provide individuals with a financial fresh start, in some circumstances, bankruptcy can come…

The New York Federal Reserve reported that our total credit card debt reached $930 billion at the end of 2019, showing that many of us are in the red. With debt being so common, it can sometimes feel like a debt-free life is far out of reach. If you’re actively working on…

Whether you’re just starting your debt settlement program or are only a few payments away from completion, you’ll soon experience more freedom to do what you want with your money. After working hard to pay off your enrolled debts and building new financial habits, it might feel like the right…

Under most scoring models, credit scores (also known as a FICO score) range from 300 to 850. The higher the number, the better a person’s credit – it implies that the person is a lower risk to a lender. The score is calculated using a credit report that gathers data…

Did you know that your financial struggles could be putting your health at risk? A recent survey conducted by The Harris Poll on behalf of the American Psychological Association revealed that 1 in 5 Americans have either thought about skipping, or have skipped, a visit to the doctor because of…

It’s very important to know the rules of the credit card game because if you don’t, you could quickly find yourself in financial trouble and in need of credit card help. The following tips will help new and experienced credit card users avoid unwelcome credit card debt. DON’T accept a credit…