All Articles

How to Get Out of Credit Card Debt Without Paying: 3 Strategies
Rebecca Lake

January 23, 2023

Getting rid of credit card debt without paying anything is very rare, but you might be able to repay less than the full amount. Our expert explains.

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Is it a good idea to use a 401(k) loan to pay off your credit card debt?
Peter Warden

January 23, 2023

Should you pay down your credit card debt using a 401k loan? Discover the pros, the cons and the alternatives.

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Pros and Cons of Using a Personal Loan to Pay Off Credit Card Debt
Rebecca Lake

January 23, 2023

What are the pros and cons of using a personal loan to pay off credit card debt? Quicker payoff time and lower interest rates are great benefits, But if you are...

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Emergency Loans - Are They Available?
Richard Barrington

January 23, 2023

Find an emergency loan that can get you through a crisis and get you back on track to get your finances in order. Emergency loans can be available quickly and easily...

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How to Settle Credit Card Debt When Lawsuit Has Been Filed
Gina Freeman (Pogol)

January 15, 2023

It's possible to settle debt even after a lawsuit has been filed. Answer the summons. Then negotiate. And never skip your court date.

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Can You Go To Jail For Credit Card Debt?
Rebecca Lake

January 8, 2023

Carrying credit card debt won't lead to jail time, even if you default. However, you could face other legal action if you fail to pay.

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What Happens to Credit Card Debt When You Die?
Gideon Sandford

January 8, 2023

Worrying about your estate and planning for the future is important.

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Is An Authorized User Responsible For Debt?
Richard Barrington

January 8, 2023

Authorized users can use an account with the responsibility to pay. Read this to find out how it works.

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Should You Consider Filing for Credit Card Debt Bankruptcy?
Gina Freeman (Pogol)

January 8, 2023

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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Credit Card Debt Lawyer: Should You Use One?
Gina Freeman (Pogol)

January 8, 2023

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

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How To Get Out of Credit Card Debt Without Ruining Your Credit
Thilini Wijesinhe

January 8, 2023

Find out the best ways to pay off your credit cards while improving your credit score.

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How to Read Your Credit Card Statement
Peter Warden

December 25, 2022

Reading your credit card statements can help you manage your money. Your statement will tell you when your interest rate or terms will change. Key details include...

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How to Deal with a Frozen Bank Account
Rebecca Lake

December 25, 2022

A frozen bank account can be the result of numerous things, including suspected fraud, unpaid debts, or illegal activity. Learning that your bank account is frozen can be a little unnerving

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Credit Card Debt Forgiveness For Disabled: Does It Exist?
Rebecca Lake

December 18, 2022

There are no federal credit card debt forgiveness programs for people with disabilities. Creditors can sue you for unpaid debt. Still, they may be unable to collect on the judgment.

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How Often Does Your Credit Score Update?
Peter Warden

December 15, 2022

Your credit score is updated every time a lender or creditor provides new data to the credit bureaus.Your credit score changes based on the most recent data and…

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How to Refinance Credit Card Debt
Richard Barrington

December 7, 2022

Learn how to refinance credit card debt and whether you should choose a balance transfer, debt consolidation loan or another method to…

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How to Deal With Overdraft and a Negative Bank Account
Erik J. Martin

December 7, 2022

Significant consequences can result from having a negative bank account, including fees. You can fix a negative account by transferring money from another account, avoiding transactions with the overdrawn account, and other strategies.

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Why is My Credit Score Different on Different Sites?
Rebecca Lake

November 29, 2022

Credit scores are fluid. They can change over time and what you see on one site might not be reflected on another.

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How Many Credit Cards Should You Have?
Richard Barrington

November 22, 2022

How Many Credit Cards Should You Have? Either too many or too few credit cards could cost you. Handling credit responsibly is more about how you use your cards than...

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What Are Debt Relief Services?
Rebecca Lake

November 16, 2022

You may seek debt-relief services when you need help with debt. Companies that provide such services work with your creditors on your behalf to reduce...

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How Does Consumer Credit Counseling Work?
Rebecca Lake

November 10, 2022

When you need help with budgeting and debt, you may turn to consumer credit counseling. Credit counselors look at your financial situation and propose solutions...

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Why Did My Credit Score Drop?
Richard Barrington

November 10, 2022

Did you check your credit and ask, “Why Did My Credit Score Drop”? Learn 10 reasons why your credit score can suddenly drop and…

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What Is Debt Resolution?
Rebecca Lake

November 9, 2022

When debt becomes overwhelming, there are different approaches you can take to manage it. Debt resolution is one option you might consider to avoid bankruptcy.

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How to Write a Debt Settlement Letter
Rebecca Lake

November 9, 2022

A well-written debt settlement letter is crucial to the debt negotiating process. You should outline the details of the debt-settlement offer and the terms...

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What Is the Lowest Credit Score?
Peter Warden

November 7, 2022

While very rare, the lowest possible credit score is 300. However, any credit score under 500 is low and under 580 is sub-prime. A low credit score can…

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Credit Card Debt Help: What You Need to Know
Erik J. Martin

October 20, 2022

Credit card debt help won’t work unless you stop overspending. Debt consolidation, debt management, and debt settlement are all solutions for credit card debt.

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Can You Raise Your Credit Score 100 Points Overnight?
Richard Barrington

October 11, 2022

You can't raise your credit score 100 points overnight; however, there are several steps you can take to improve...

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Credit Card Debt Relief
Erik J. Martin

October 11, 2022

There are many forms of credit card debt relief. Learn how to find the right credit card debt relief for your situation.

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Statute of Limitations on Credit Card Debt
Peter Warden

October 2, 2022

Statutes of limitations govern how long creditors and debt collectors can pursue you for money that you owe. They vary from state to state. You need to be careful...

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Debt Counseling: Make it Work for You
Erik J. Martin

October 2, 2022

Debt counseling offers a wide range of services, including advice on debt management, budgeting, and money management. A debt counselor can guide you to the debt solution that...

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How to Open a Bank Account That No Creditor Can Touch
Peter Warden

September 13, 2022

There are four tactics for protecting deposits from creditors.

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Is a 600 Credit Score Good or Bad?
Richard Barrington

September 6, 2022

A 600 credit score is considered a sub-prime and not a good score. Find out more about your credit score and learn steps you can take to improve your credit.

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Taking Responsibility for Debt While Avoiding Bankruptcy
Aimee Bennett

September 3, 2022

A North Carolina resident found success in paying off her debt with the Freedom Debt Relief program. Learn why she opted for debt relief over bankruptcy.

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Why High Housing Costs Might Force the Fed to Keep Raising Rates
Charles Morgan Evans

August 28, 2022

The Federal Reserve might prefer to stop raising interest rates as the economy slows. High housing costs may make that impossible.

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Student Loan Forgiveness
Richard Barrington

August 23, 2022

Student loan forgiveness programs may help you get out of student loan debt. Learn how to qualify for student loan forgiveness, settlement, and bankruptcy.

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Payday Loan Consolidation: What Are My Best Options?
Richard Barrington

August 20, 2022

Payday loans and cash advances are very expensive. Payday loan consolidation can give you a lower interest rate and more time to repay your debt.

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How to Negotiate Debt Settlement on Your Own: A DIY Guide
Aly J. Yale

August 20, 2022

While many consumers use a professional debt relief company for settling their debts, it is possible to DIY it, and doing so could save you money — at least if...

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How to Find Tax Debt Relief
Richard Barrington

August 20, 2022

The IRS offers several types of tax debt relief programs. Options include repayment plans, Offer in Compromise and Fresh Start Program.

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Land Loans: Learn the Basics Before You Buy Land
Richard Barrington

August 20, 2022

Land loans are mortgages used to buy property with no existing structures. Land loans are also called lot loans. You might use this type of loan to purchase land. to...

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Utah Debt-Clearing Options

August 16, 2022

Is severe debt affecting your life in Utah? Consider a debt consolidation loan and start on the path to financial freedom. Learn whether it’s the right choice for you.

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South Dakota Debt Consolidation Programs

August 16, 2022

Dealing with debt in South Dakota? Explore the pros and cons of debt consolidation and other debt-clearing options to discover what is right for you and your situation.

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Debt Consolidation Services Available in Ohio

August 16, 2022

Is severe debt affecting your life in Ohio? Consider a debt consolidation loan and get started on the path to financial freedom. Learn all about this method and others.

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Nebraska Debt Consolidation Programs

August 16, 2022

Nebraska residents worried by mounting debt might find relief with debt consolidation or another debt relief strategy. Here we outline the pros & cons of debt consolidation.

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North Carolina Debt Consolidation Services

August 16, 2022

Curious to see whether debt consolidation is right for you? We discuss this option's pros and cons as they relate to North Carolina residents wrestling with debt.

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Montana Debt Consolidation Services

August 16, 2022

Is severe debt affecting your life in Montana? Consider a debt consolidation loan and start on the path to financial freedom. Learn whether it’s the right choice for you.

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Debt Consolidation Services Available in Minnesota

August 16, 2022

Searching for a solution to your debt in Minnesota? We explain whether a debt consolidation loan or another debt-clearing options would work best for your debt condition.

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Massachusetts Debt-Resolution Services: Is Debt Consolidation the Answer?

August 16, 2022

Is debt affecting your life in Massachusetts? Consider a debt consolidation loan and get started on the path to financial freedom. Learn all about this method and others.

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Debt Consolidation Services Available in Kentucky

August 16, 2022

Kentucky residents, are you worried about growing debt? Find out whether a debt consolidation loan is right for your unique situation or explore other options today!

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Credit Card Debt Forgiveness
Richard Barrington

August 16, 2022

Credit card debt forgiveness can happen through bankruptcy or debt settlement. Debt settlement means negotiating a lower payoff for your credit card debt. Bankruptcy...

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New Mexico Debt Consolidation Services

August 16, 2022

New Mexico residents... Did you know that debt consolidation and other strategies can help your pay down your debt in a quick and manageable way? Click to learn more.

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