Moving Beyond Debt

Isn’t this the cry of every adult? Regardless of what career path you are on, everyone wants more. According to a 2019 Bankrate.com study, nearly 3 in 10 adults have no emergency savings, and 7 of 10 admit to living “paycheck-to-paycheck.” With a global pandemic finally showing signs of becoming a glimpse in a rear-view…

Debt settlement is a way to eliminate your debt by paying it off for less than what you owe. The service is typically offered by debt relief companies that negotiate settlements with creditors for a fee. 

Many of us have complicated feelings about money. While you may love the feeling of receiving money or using it to buy something nice, there are plenty of “less glamorous” aspects of your finances that are all too easy to hate. Like any good relationship, building a better relationship with…

It’s no surprise that many Americans – 97 million, in fact – started 2021 with a resolution. And many of those were centered around money, from getting a promotion to success out of a side job. These days, instead of earning it or spending it, people want to save it. Yet, according to the…

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…