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How to Manage Student Loan Debt
Justine Nelson

October 9, 2024

If you have a large student debt load, you're not alone. Here are several options…

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Survey: Americans Are (Still) Struggling With Debt
Tammi Huang

October 9, 2024

Our recent survey revealed what our debt problem looks like, but what can those struggling…

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Meet Our Clients: Peggy and Howard
John Russo

October 9, 2024

Find out how our clients, Peggy and Howard Powell saved money and got out of…

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Study: Freedom Debt Relief Helps Clients Reduce Stress
John Russo

October 9, 2024

A study from the L. William Seidman Research Institute found that Freedom Debt Relief helps…

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4 Bad Ways to Pay Off Debt
Charla Myers

October 9, 2024

There are better and worse ways to approach paying off your debts. Some types of…

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10 Warning Signs of Financial Trouble
Tammi Huang

October 9, 2024

Understanding how to spot the warning signs of financial trouble is the first step toward…

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The Case for Debt Settlement: The AFCC Study
Ann Condron

October 9, 2024

This infographic of a 2017 study by the American Fair Credit Council (AFCC) shows how…

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The Truth About America’s Debt Crisis
Tammi Huang

October 9, 2024

What is the American debt crisis, and what can you do to become less of…

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Does Paying Off Debt Improve Your Credit Profile?
Tammi Huang

October 9, 2024

Many people who have debt problems often suffer from a bad credit profile as well.…

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What is a 401k Plan?
Jacqueline Backman

October 9, 2024

What is a 401k plan? If you're just starting out, or even if you have been working for a while, learn more about using a 401k to save for your retirement.

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Couponing: A Beginner’s Guide
Sarah Li Cain

October 9, 2024

Whether you clip them out of newspapers, flyers, grab them when you enter the store,…

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

October 9, 2024

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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5 Unexpected legal outcomes of ignoring credit card debt
Richard Barrington

October 9, 2024

Learn what might happen if you ignore your credit card debt, and the best ways to handle it.

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When Can You Use a Credit Card Forbearance Program?
Miranda Marquit

October 9, 2024

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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

October 9, 2024

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

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How to Use a Hardship Program for Debt
Erik J. Martin

October 9, 2024

Hardship programs for debt.

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Should You Go Debt-Free? Pros and Cons of Debt-Free Living
Gina Freeman (Pogol)

October 9, 2024

Is being debt-free a good goal to have? Debt-free living does not mean never borrowing — it means managing your borrowing and developing good spending habits. Learn…

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How Does Debt Settlement Work?
Noelle Marr

October 8, 2024

Debt settlement could substantially reduce the amount of debt you owe, but how does it work? Learn about Freedom Debt Relief’s 4-step process.

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What Is the Lowest Credit Score?
Peter Warden

October 8, 2024

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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Debt Settlement Pros and Cons
Gideon Sandford

October 8, 2024

What are debt settlement pros and cons? Before signing up for a debt settlement program, learn about the benefits and pitfalls including...

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

October 8, 2024

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 Write a Debt Settlement Letter
Rebecca Lake

October 8, 2024

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 Credit Counseling?
Rebecca Lake

October 8, 2024

What is credit counseling? How credit counseling works. What it’s like to go through credit counseling.

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Is An Authorized User Responsible For Debt?
Richard Barrington

October 8, 2024

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

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

October 8, 2024

There are four tactics for protecting deposits from creditors.

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Pros and Cons of Debt Consolidation
Peter Warden

October 8, 2024

Learn the pros and cons of debt consolidation

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How to use hardship programs to temporarily suspend credit card payments
Richard Barrington

October 8, 2024

Credit card hardship programs might help you catch up on debt payments. Here’s how they work

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How to Get a Debt Consolidation Loan With Bad Credit
Rebecca Lake

October 8, 2024

How to consolidate debt if you have bad credit. Bad credit debt consolidation loans can help you lower your payments and your interest rate.

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What Is a Government Debt Relief Program?
Rebecca Lake

October 8, 2024

Government debt relief programs exist for student debt, tax debt, and certain mortgage debt. However, there is no government credit card debt program, so...

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How to Stop Debt Collection Calls
Gina Freeman (Pogol)

October 8, 2024

If your debt has gone to collections, debt collection calls can be intrusive and stressful. Learn your rights and how to stop debt collector calls.

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Debt settlement companies: What they are and how to find one
John Russo

October 8, 2024

Before signing up for a debt settlement company, learn about the risks and benefits of debt settlement by asking the company these 4 questions.

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Debt Management Program: What it is and How to Find One
Charla Myers

October 8, 2024

If you're struggling with your debts, one option is to enroll in a debt management program, which may help you with a debt strategy and get better rates.

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How Do I Talk to Someone I Want to Help Get Out of Debt?
Charla Myers

October 8, 2024

Is there someone close to you that you want to help get out of debt? Be patient, be empathetic, and try these 7 talking points.

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What is Predatory Lending?
Charla Myers

October 8, 2024

What is predatory lending? There's no official definition, but predatory lenders take advantage of borrowers with excessive rates and little transparency.

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How to deal with debt collectors: 9 practical tips to stay calm and take control
John Russo

October 8, 2024

Fielding debt collection calls can be very stressful. Learn how to deal with debt collectors and manage that stress better.

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Hardship Loans for Bad Credit
Erik J. Martin

October 8, 2024

Hardships are never easy to experience, but you may be able to weather the storm with these options.

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Authorized Users Are Not on the Hook for Unpaid Credit Card Debt
Peter Warden

October 8, 2024

Authorized users aren’t on the hook if the account holder dies or defaults. Don’t fall for debt collectors’ scare tactics.

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Defensive Strategies in Court for Credit Card Debt Lawsuits
Richard Barrington

October 7, 2024

Being sued for unpaid credit card debt requires some tough choices. Here are 7 options to consider.

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Zombie Debt: Don’t Let It Rise To Bite You
Gideon Sandford

October 7, 2024

If an old debt threatens to claw its way out of the past to haunt you, you might not have to pay it. Our expert explains.

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What is Unsecured Debt?
Richard Barrington

October 7, 2024

You may have heard the term unsecured debt and wondered what it means. Learn more about unsecured debt, secured debt, and how to manage them both.

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Can You Inherit Credit Card Debt?
Tammi Huang

October 7, 2024

Can you inherit credit card debt from your parents? Usually not, but there are a…

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How to Consolidate Credit Card Debt
Rebecca Lake

October 7, 2024

Credit card consolidation can make it easier to pay off credit card balances. Learn how to successfully consolidate credit card debt and avoid credit consolidation mistakes.

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Too Much Debt? Identify and Learn the Signs of Too Much Debt
John Russo

October 7, 2024

Learn ;how to identify if you have too much debt. Including six signs of people that have too much debt and the first step to deal with too much debt.

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

October 7, 2024

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

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Is Severance Pay Taxable? How Job Loss Affects Your Taxes
Rebecca Lake

October 7, 2024

How is severance pay taxed when you lose your job? There are no tax breaks when you lose your job.

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What to Do When Your Spouse Loses Their Job
Anna Baluch

October 7, 2024

Wondering what to do when your spouse loses their job? These tips can help you…

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How to Save Money on Vacation
John Russo

October 7, 2024

Find out how to save money on your next summer vacation by setting up a vacation budget, finding fun free events, and more.

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

October 7, 2024

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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How Many Credit Cards Should You Have?
Richard Barrington

October 7, 2024

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

October 7, 2024

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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