Debt Solutions Articles

Is Debt Settlement Worth It?
Richard Barrington

June 17, 2024

Debt settlement has both costs and benefits. We'll walk you through the strategy that could eliminate some of your debt.

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The psychological benefits of settling your debts 
Aaron Crowe

June 17, 2024

Need another reason to get rid of debt other than getting your financial life in order? You could feel better emotionally.

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3 Reasons People Stay In Debt
Tammi Huang

June 14, 2024

People get into debt for many reasons. But sometimes, they stay in debt because they…

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10 Holiday Shopping Debt Traps You Need to Avoid
Charla Myers

June 14, 2024

Shop early, get free shipping, look for treasures: Here are 10 helpful tips on celebrating…

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Tips to Defend Yourself Against Zombie Debt
John Russo

June 14, 2024

Knowing whether your old debt has truly expired can be tricky. Read these tips for…

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Debt – Is It a Dating Deal Breaker?
Tammi Huang

June 14, 2024

Dating someone with debt might seem like deal-breaker, but it doesn’t have to be. Here…

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Do it Yourself
Aimee Bennett

June 14, 2024

This could be the right solution for you if you are able to consistently pay more than the minimum balance due each month.

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5 Strategies to Help Manage Small Business Debt
Anna Baluch

June 14, 2024

In tough times, you will need to work even harder to manage your small business…

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5 Ways to Get Rid of Debt Stress
Thilini Wijesinhe

June 14, 2024

Debt stress can affect your health and well-being. Learn about 5 proven ways to get rid of debt stress and take control of your finances.

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How to Tell the Difference Between Good Debt and Bad Debt
John Russo

June 14, 2024

What is good debt vs bad debt? Learn about how good debt can help you and improve your credit and how to conquer bad debt that could be holding you back.

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Understanding Bankruptcy and Debt
Anna Baluch

June 14, 2024

The coronavirus has led to more people filing for bankruptcy, but that isn't always the…

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Debt Snowball or Debt Avalanche: Which is Better?
Tammi Huang

June 14, 2024

If you have debt, explore the debt snowball or debt avalanche method. Both methods involve…

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What is Zero-Based Budgeting?
John Russo

June 14, 2024

What is zero-based budgeting? It's a smart way to track your income and expenses, but you should also be aware of zero-based budgeting pros and cons.

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11 Tips for Talking to Your Partner about Debt
John Russo

June 13, 2024

Find out how you and your significant other can make a plan to save more…

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What is Unsecured Debt?
Richard Barrington

June 13, 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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Best Ways to Get Debt Relief
Richard Barrington

June 6, 2024

Help yourself get out of debt fast with these changes to lifestyle and good money management.

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Debt Settlement vs. Debt Consolidation: Which Is Right for You?
Richard Barrington

May 31, 2024

Debt consolidation helps you reorganize your debt. Debt settlement is for people who can’t afford their debts.

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What Is Debt Settlement?
Gina Freeman (Pogol)

August 17, 2023

Debt settlement is a way to negotiate with creditors to accept a reduced payment on debt. Learn more about the pros and cons of debt settlement program.

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

August 17, 2023

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

August 17, 2023

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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Debt Load and Your Finances
Richard Barrington

July 30, 2023

Debt load measures how big a burden your debts are becoming so you can plan to keep your payments manageable.

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What if I Can’t Pay My Rent?
Richard Barrington

July 30, 2023

Trouble paying rent is a common problem, but you may be able to get financial help to avoid eviction.

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Tax Consequences of Debt Settlement
Richard Barrington

July 30, 2023

Having debt canceled can result in a tax liability, which you should understand before you pursue cancellation.

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What Are Debt Strategies?
Richard Barrington

May 31, 2023

Debt relief companies can help you get out of debt faster. Debt strategies include debt consolidation, debt management, and debt settlement.

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Debt Settlement Pros and Cons
Gideon Sandford

April 30, 2023

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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How a Debt Management Plan Can Help You Get Back on Track
Jane Meggitt

April 16, 2023

Are your debts at risk of going off the rails? A debt management plan can get you back on track and give you a brighter financial future. Learn more...

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Credit card counseling pros and cons
Erik J. Martin

April 12, 2023

Credit card counseling agencies can help you learn how to manage your credit and debts. Find out more here.

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Emergency Funds: How to Prepare for the Unexpected

Learn exactly how to start an emergency fund, where to keep it, and how to keep it going.

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What is a Balance Transfer Fee, and Why Should You Care?
Gideon Sandford

April 1, 2023

Balance transfers can save you money on credit card debt, but to know how much you’ll save, you need to know about balance transfer fees. Learn more here.

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The Gift of Financial Freedom - How to Avoid Holiday Debt
Thilini Wijesinhe

March 31, 2023

With the right plan, you can enjoy the festive season without getting into holiday debt.

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Debt Relief vs. Bankruptcy: What’s Right for You?

Understanding debt relief vs bankruptcy. Debt relief or bankruptcy can help you get out of debt. Which is better: bankruptcy or debt relief?

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Can You Get An Emergency Loan With Bad Credit?
Gina Freeman (Pogol)

February 7, 2023

If you need cash fast, an emergency loan is one solution and you can qualify even with bad credit. Learn about your options.

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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 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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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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How to Pay Off Debt
Tammi Huang

June 28, 2022

Learn about 6 strategies to get out of debt, including debt consolidation loan, credit counseling, debt settlement, a cash-out refinance, or bankruptcy.

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Credit Counseling vs. Debt Settlement vs. Bankruptcy

Compare credit counseling and debt management plan (DMP) to debt settlement (debt relief) and bankruptcy.

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Debt Consolidation vs Bankruptcy for Debt Problems: Which Is Better?
Erik J. Martin

April 13, 2022

Debt consolidation and bankruptcy are very different solutions for debt problems. What's better for you?

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Bankruptcy: Understand Your Options
Richard Barrington

March 30, 2022

Learn about the bankruptcy options available to individuals. Bankruptcy options for individuals include Chapter 7, Chapter 13 and Chapter 11.

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Understanding Bankruptcy: Chapter 7 vs Chapter 13
Gina Freeman (Pogol)

March 24, 2022

Bankruptcy Chapter 7 vs Chapter 13: How does Chapter 7 bankruptcy work, how does Chapter 13 bankruptcy work, differences between Chapter 7 and Chapter 13

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5 Steps to Get Debt-Free Fast
Richard Barrington

March 13, 2022

Five steps you can take to get debt-free faster so you can start to enjoy the benefits now and in the future.

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How to Be Debt-Free by Retirement
Richard Barrington

March 13, 2022

How to retire debt-free: Should I pay off my mortgage before I retire?

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Client Stories: Mounting Credit Card Interest Prompts Action
Aimee Bennett

March 9, 2022

A story about a Freedom Debt Relief client who funded his college life with credit cards and faced mounting credit card interest.

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Client Stories: Unexpected Life Circumstances Build Up To Debt Challenge
Aimee Bennett

March 9, 2022

A story about a Freedom Debt Relief client who faced a debt challenge after funding her college life with credit cards, and had unexpected medical expenses.

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Most Americans Carry Debt in Retirement: Can You Retire Debt-Free?
Erik J. Martin

February 3, 2022

Most Americans carry debt in retirement. How to save for retirement and retire debt-free.

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How to Get Out of Debt Fast
Erik J. Martin

January 26, 2022

Learn the best way to get out of credit card debt. Get rid of debt with debt consolidation, debt management, debt negotiation, debt relief, or debt acceleration.

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How to Deal With Collection Agencies
Peter Warden

January 25, 2022

Learn how to deal with debt collection agencies and bill collectors. What to say to bill collectors and when you can avoid paying a collection agency.

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What Is Credit Counseling?
Rebecca Lake

January 21, 2022

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

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