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Wage Garnishment: Understanding Your Rights & Protection
Creditors and debt collectors use wage garnishment to recover money owed to them. In most cases, the debt collector will require a court judgment against you before they can take money from you. Ho
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Debt Collection Statute of Limitations: Protect Your Rights
Debt collectors are well known for the way they do business. They’re much more concerned with getting paid than with how they go about collecting the debt. As long as they can get a consumer
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Accelerate Debt Freedom: 13 Proven Strategies to Pay Off Debt Faster
Whether you have credit card debt, car loans, student debt, or all of the above, owing money is no walk in the park. While it seems easy to get into debt, getting out of it is a lot harder. Interes
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Top 10 Debt Consolidation Loans of 2024: Save Money & Simplify Payments
Life can feel overwhelming when you’re saddled with loads of debt from different creditors. For example, maybe you carry multiple credit card balances on top of having a high-interest personal loan.
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Debt Statute of Limitations vs. Credit Report Reporting Periods: What You Need to Know
When it comes to understanding your credit score and credit reporting, there are a lot of terms to remember. Because of this, sometimes it’s easy to confuse your state’s statute of limit
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Debt Collector vs. Original Creditor: Which Should You Pay?
When a debt exists, two parties are involved—the creditor, who is the source of the loan, and the debtor, who is the receiver of the loan. If you are a debtor whose loan or credit card account goes
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FDCPA: Your Rights Against Debt Collectors | Consumer Protection
The Fair Debt Collection Practices Act (FDCPA) is a federal law initially passed in 1978 to protect consumers and regulate the tactics used by debt collectors. If you have had debt collectors houndi
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Credit Card Debt Settlement: A Practical Guide to Negotiating Lower Balances
You might feel like you’re out of options when you’re swimming in credit card debt, but that’s just not the case. Debt settlement is a viable option that helps you negotiate a lowe
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Understanding Junk Debt Buyers: What You Need to Know
If you’ve ever had an overdue bill get sent to collections, then you may have encountered a junk debt buyer. These companies purchase overdue accounts from a business or lender with the intent of co
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Chapter 13 Bankruptcy: Eligibility, Process & Requirements
Who is eligible for Chapter 13 bankruptcy? Chapter 13 bankruptcy is reserved for individuals and couples, rather than corporations and partnerships. It’s the 13th Chapter of the U.S. Bankrupt
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Chapter 7 Bankruptcy: A Comprehensive Guide to Debt Relief
What is chapter 7 bankruptcy? Filing Chapter 7 bankruptcy releases or “discharges” individual debtors from having to pay certain outstanding debts while allowing them to keep exempt ass
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Effective Debt Management Strategies for Financial Well-being
Love it or hate it, debt is an integral part of modern life in the United States. And, when you think about it, debt in itself really isn’t a bad thing. Neither are credit cards nor loans. Th
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Understanding Bankruptcy: Is It the Right Financial Solution for You?
The mere thought of filing for bankruptcy is enough to make anyone nervous. But in some cases, it really can be the best option for your financial situation. Even though it stays as a negative item
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Debt Validation: Your Rights & How to Dispute Debt Collectors
Under the FDCPA, you have the right to “debt validation.” This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your re
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Debt Relief Options: Strategies for Managing & Eliminating Debt in 2024
What is debt relief? Debt relief is any strategy you take to get out of debt or to manage your debt so that you can function normally and keep up with your bills and living expenses. It usually refe
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Protect Yourself: A Guide to Defending Against Debt Collection Lawsuits
In some cases, going into debt is unavoidable. If you don’t pay your debt on time, your creditors may sue you. Debt collectors are persistent and aggressive, and the likelihood of winning a de
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Protect Yourself: Your Rights & How to Stop Debt Collector Harassment
Getting constant calls from a debt collector can feel harassing or overwhelming. So you’re probably wondering how to stop debt collectors from calling. It may feel like the calls from that deb
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Understanding Zombie Debt: How to Resolve Unpaid Debts
If you’ve ever been sent to collections over an unpaid debt, then you know what a hassle this process can be. Collection agencies are often aggressive and resort to harassing phone calls and m
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Negotiating with Creditors: A Guide to Resolving Debt
Whether your mailbox is stuffed full of past-due notices or your phone is ringing off the hook, you can’t ignore your creditors forever. And it’s always better to attempt to work out a d
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Chaikin Stock Research Review: Portfolio Health Check - A Deep Dive
I recently came across the Chaikin Stock Research and their Portfolio Health Check service. I must say, I am impressed with it. What follows is a review that I completed on the Portfolio Health Check
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PancakeSwap: Guide to Cashing Out CAKE & BNB Tokens - Step-by-StepPancake Swap is one of the decentralized cryptocurrency exchanges powered by the Binance Smart Chain (BSC) blockchain. Here, you can swap cake to bnb, cash out cake and bnb tokens and make other mul...
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Emergency Fund Strategies: 9 Smart Ways to Build Financial Securitydiv.cust...
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Rent Relief During COVID-19: Government Assistance & ResourcesAs the economic fallout from the coronavirus continues, government agencies and private charities have stepped in to help support renters. Some local governments have created rent ...
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NFTs as a Store of Value: Exploring the PotentialFor someone new to the world of cryptocurrency and blockchain, the rapid growth of interest in the non-fungible token (NFT) and its trading volume can seem outrageous. What’s more, the amount of mon...