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Gina Freeman (Pogol)

Contributing Author, Editor

Gina Freeman (Gina Pogol) enjoys breaking down complicated subjects and helping consumers feel comfortable making financial decisions. An acknowledged expert in mortgage and personal finance since 2008, Gina's experience include mortgage lending and underwriting, tax accounting, and credit bureau systems consulting. You can find her articles on MSN Money, Fox Business, Forbes.com, The Motley Fool and other respected sites.

Credit Card Debt Bankruptcy
Should You Consider Filing for Credit Card Debt Bankruptcy?

March 18, 2026

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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What Is House Poor?
What Is House Poor?

May 2, 2026

Too much house, too little money: How being house poor can harm your future.

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Underwater On Car Loan and Can't Afford to Pay It Off
Underwater On Car Loan and Can't Afford to Pay It Off

May 3, 2026

Underwater on your car loan? You don't have to drown. Here are your options.

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Which Debt Should I Pay Off First?
Which Debt Should I Pay Off First?

May 3, 2026

Juggling multiple debts gets easier with a solid repayment plan. Here's how to prioritize your debts.

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How much does bankruptcy cost?
How Much Does Bankruptcy Cost?

May 12, 2026

Filing for bankruptcy can cost very little—or hit your wallet hard. Here’s what you need to know about the costs.

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How to Stop Using Credit Cards
How to Stop Using Credit Cards

May 4, 2026

It's hard to get out of credit card debt if you keep charging. Here's how to quit and take your power back.

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How to plan for financial emergencies while paying off debt
How to Plan for Financial Emergencies While Paying Off Debt

June 10, 2026

Budget, save a little, and pay down a little, and you can eventually be debt-free and ready for emergencies.

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How to Negotiate a Debt Settlement
How to Negotiate Your Credit Card Debt

March 21, 2026

Here are the professional tips you need to succeed at credit card debt negotiation.

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How to Build Credit after Domestic Abuse
Strike Back and Move On: How to Recover From Financial Abuse

April 5, 2026

Financial abuse can happen to anyone. Here's your recovery plan to leave it behind and live your best life.

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