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Debt Snowball vs. Avalanche: Which Method is Best for You?
If you’re looking for a way to pay down debt and improve your financial situation, then you’ve probably done a fair amount of Google research. And the two most commonly utilized debt rep
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Bankruptcy & Debt Discharge: What You Need to Know
One of the most common reasons to file for bankruptcy is to discharge your overwhelming debt and start your finances over on a clean slate. But just because you file for bankruptcy doesn’t mea
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Understanding Bankruptcy Dismissal: Causes & Next Steps
A bankruptcy dismissal happens when something goes wrong and the bankruptcy court rejects your case. There are many reasons this can happen and many consequences. The word “dismiss” shou
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Understanding Re-aging & Debt Collection Rights: FCRA & FDCPA
When you owe a large amount of unpaid debt, you risk becoming a target for untrustworthy creditors and debt collectors. The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Ac
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Debt Freedom Journey: How We Eliminated $22,000 in 22 Months
I spent my early 20s working hard and clumsily throwing money out the window. Then, I fell in love with a man who’d done the same, and we decided to get married. The excitement of planning ou
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Credit Card Debt Consolidation: 5 Effective Strategies
Dealing with credit card debt can be overwhelming. If you’re having trouble making your payments, consolidating your credit card debt may be an effective solution to your problems. The best w
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Navigating Medical Debt: Strategies for Relief and Repayment
Without or without health insurance, medical debt can be a considerable burden. Hospital and doctor’s bills can be extremely high and sometimes impossible to pay without a plan. Even if you h
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Best Debt Consolidation Loans for Bad Credit - 2024
Top 5 Debt Consolidation Loan Companies The specifics of your debt consolidation loan will depend on your creditworthiness at the time of your application. With that said, the following companies of
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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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Investing vs. Saving: Do You Need Money to Make Money?You may often hear people say that you have to spend money to make money. I tend to see this saying a ton on social media. Still, I also personally know a few business o...
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Unlock Wholesale Real Estate Deals: Accessing the MLSWholesale Real Estate from the MLS The MLS is where 75% of home owners list their property if they want to sell it. The first instinct of a home owner is to call a Real Estate Agent to sell t...
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Understanding Bitcoin's Recent Price Increase: Key Factors & AnalysisNowadays, you can come across a wide range of trading options in this world. As there is no shortage of trading options, people get confused about the choices and make the wrong choice. If you want ...
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Financial Bubbles: Understanding Asset Bubbles & Demand-Pull InflationWhat is a bubble? The definition of a bubble refers to when the price of a commodity, security, or other financial instrument increases to a point where it is cannot be r...