We firmly believe that debt settlement can change people’s lives for the better—and we’re not the only ones. Take a look at this summary of a 2017 study by the American Fair Credit Council (AFCC), which shows how debt settlement could be a better solution for people struggling with significant amounts of debt. This analysis
Read more The 2017 AFCC Report on Debt Settlement
Have you ever avoided your mailbox because you don’t want to deal with your credit card bills? Do you feel anxious when someone brings up the topic of money around you? Does the thought of balancing your checkbook make your stomach turn? If so, you may suffer from a mild version of financial phobia. Financial
Read more 4 Useful Tips to Help You Conquer Financial Phobia
No matter the current status of your finances, there’s always room for improvement. It’s common for people to change their long term financial plan as they get closer to retirement, but it’s also important to revise your financial strategy in the short term to help address current concerns or reach new goals in the new
Read more 10 Ways To Set Yourself Up for Financial Success in 2018
Money is about more than the dollars in a bank account—it’s about emotions. Think about how an unexpected medical bill or a car repair might make someone feel panicked, embarrassed, or depressed. If you know someone who is dealing with stressful finances, you might feel helpless in watching them struggle. Talking about someone else’s financial debt is
Read more 7 Ways to Talk with Someone About Getting Debt Help
If you’ve ever applied for a mortgage or loan, you may have heard the term debt to income ratio. But you may not have learned what it really means, let alone how to calculate it or how it has to do with the rest of your finances. Debt to income ratio might sound like an
Read more What You Need to Know About Your Debt to Income Ratio
Tis the season … to not overspend. As the festivities begin, it’s easy to be merry and want to bring joy by being a giver of gifts. In fact, the average American consumer will spend $935 these upcoming holidays. That’s a lot of presents! However, if you keep your presence of mind, you’ll be able
Read more 10 Holiday Shopping Debt Traps You Need to Avoid
You already know it’s not good for your budget if you go to a concert or the movies every day, but how often do you indulge at home when it comes to music, music and television?Are you paying more than you think to enable frequent weekends of binge-watching the newest season of your favorite shows?
Read more Save Over $100 When You Unsubscribe From Entertainment Apps
Debt payoff is a great goal—whether it’s student loans or credit cards, eliminating what you owe can help you feel free. Any effort to pay off debt is worth the work, yet some types of repayment might make your debt problem worse. As you take control of your debt, learn the repayment tactics to avoid
Read more 5 Not-So-Smart Ways to Pay Off Debt
Did you know that one in four Americans currently struggles with medical debt? Although 8.8% of Americans—that’s over 28 million citizens—don’t have health insurance, even those with medical insurance often end up paying out of pocket for significant medical expenses. In fact, 63% of insured Americans report using up all or most of their savings
Read more 5 Tactics You Need to Know to Tackle Medical Debt
Here’s some good news for people with old, unpaid debt: your debt may have already expired under the statute of limitations! Expired debt, also known as time-barred debt, zombie debt, or out-of-statute debt, could be harder for creditors to collect. That doesn’t mean they won’t try to get you to pay it back, though. The
Read more 4 Facts That Could Help You Keep Old Debt in the Past
