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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.

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

October 29, 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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mom and daughter (adult)
Words From the Wise: Financial Tips From Our Moms

November 1, 2026

Blog post tips from FDR team moms

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Can Debt Collectors Take Money From Your Bank Account
Can My Bank Account Be Garnished Without Notice? A Complete Guide to Bank Account Levy and Garnishment

September 15, 2026

Yes, debt collectors can freeze your bank account, but only after following strict legal steps.

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How much does bankruptcy cost?
How Much Does It Cost to File Bankruptcy?

August 26, 2026

Bankruptcy can cost $0 or $4,000. Here's what actually decides the price.

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

November 4, 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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How to save on a vehicle purchase
Spring Survey: Consumers Plan to Buy Cars Despite Costs

October 31, 2026

Spring survey results from Freedom Debt Relief shows consumers plan big ticket purchases in the next 12 months.

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Debt Relief vs. Personal Loan
Debt Relief vs. Personal Loan

November 2, 2026

What's the better debt-buster? A personal loan or professional debt relief? Make the right choice for your situation.

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

November 2, 2026

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

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Is Debt Settlement Worth It?
Is Debt Settlement Worth It?

September 19, 2026

Debt settlement can cut what you owe, but it comes with real trade-offs. Here's how to weigh them.

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How to Manage Credit Card Debt Long-Term
How to Manage Credit Card Debt Long-Term

November 9, 2026

Long-term credit card debt is a rude houseguest who steals your money and won't leave. Here's your plan to kick it out.

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