Freedom Blog

Articles About Debt

5 Not-So-Smart Ways to Pay Off Debt

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Posted in: Debt, Debt Consolidation, Debt Options

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
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5 Tactics You Need to Know to Tackle Medical Debt

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Posted in: 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
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4 Facts That Could Help You Keep Old Debt in the Past

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Posted in: Credit Cards, Debt, Debt Settlement, Money, Uncategorized

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
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4 Proven Ways to Get Rid of Money Stress

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Posted in: Debt, Debt Relief, Goals, Money

Worrying about money problems and debt is unfortunately pretty common. Covering your monthly bills could make you anxious enough, but what if you suddenly need to pay for car repairs or some other expenses you hadn’t budgeted for? Stress and money can go hand in hand…which could have serious implications on your mental outlook. A
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6 Ways to Plan for a Debt-Free Holiday

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Posted in: Budgeting, Credit Cards, Debt, Money

The holiday season is fast approaching and with it come the feasting, festivities, and financial obligations many of us have come to dread. According to Gallup, Americans will spend an average of $830 this year on gift giving. This figure will increase if you’re a parent: playing Santa can cost between $400 to $500 per
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5 Brilliant Ways for Couples to Get Out of Debt Together

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Posted in: Budgeting, Credit Cards, Debt, Debt Relief, Goals, Relationships

Once you’ve found the person you want to spend your life with, you’ll do anything to keep your relationship strong. And sometimes, money problems and debt stress can make that tricky. Even though talking about your finances can be scary, bringing it up now could help you avoid future relationship or marriage issues and create
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6 Ways to Save Your Sanity When Debt Collectors Call

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Posted in: Credit Cards, Debt

If debt collection calls are causing you stress, these tips could help you deal with them better. No matter how many times you’ve been contacted by a debt collection agency, the calls are never easy. The stress of being in debt can be too much to bear all by itself. But getting multiple collection calls
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5 Facts About Debt Collection Calls You Need to Know

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Posted in: Credit Cards, Debt

It’s hard enough to be in heavy debt. But if you’ve fallen behind and creditors or debt collection agencies are calling you at home or work, your stress levels could be at an all-time high. You might feel confused, angry, or even guilty about these calls. But have you ever considered that your creditors might
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6 Signs You May Have Too Much Debt

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Posted in: Budgeting, Credit Cards, Debt, Debt Options

Almost everyone has some type of debt, and not all debt is bad debt. Your debt may be completely manageable—or it could be a time bomb waiting to go off. Here’s how to know if you’re in a situation where it might be smart to start investigating debt consolidation loans, debt reduction programs, and other
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Debt Consolidation 101

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Posted in: Budgeting, Debt, Debt Consolidation, Debt Options, Debt Relief, Money

People struggling with heavy debt are often told to consolidate their debt. But it’s important to understand that consolidating your debt isn’t the same thing as paying off your debt. And debt consolidation isn’t the same as credit counseling or debt negotiation, either. Simply put, consolidating debt merely means to combine all your debts into
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