Free debt counseling services can alleviate many of the problems a consumer has with debt. You can greatly benefit from the variety of services that is available to you. You can find these free services from an array of resources and institutions. The following are 20 free debt counseling services that you can get from a reputable provider today.
Read MoreLet’s talk about credit card debt and what it might mean for you and yours. We care about the big picture, but we live in a small one. What does credit card debt mean for you right now? In six months? In a few years?
Take a deep breath and stay with me for a moment. Yes, you probably need to be taking your credit card debt more seriously. But no, it’s not hopeless. And, as it turns out, we know a thing or two about credit card debt relief. What a coincidence.
Read MoreWhat the heck is a zombie debt? I’m so glad you asked because I truly love the word zombie and you just gave me another reason to use it. Zombie debt occurs when debt collectors bring a debt back from the dead. A dead debt refers to an old debt that you no longer have legal responsibility for because the statute of limitations ran out on it. It did not just fall of your credit report. You legally no longer owe the money.
Read MoreWith debt settlement, this means that a creditor has agreed to accept less than the amount you owe as full payment. It also means that a collector can’t continue to hound you for the money you owe and you don’t have to worry that you could get sued over your debt.
It may sound like a good deal but settlement can also be a risky option. It can destroy your credit and it can be costly. Reaching a settlement can also take a long time to accomplish and even if you are successful, it can take years and you may still owe taxes on any forgiven debt.
Read MoreOver the past few years, there has been consistent growth in several areas of debt as more people turn to debt financing in order to meet their financial needs.
While an increase in home and student loans can be a good thing, it is the statistic on the number of people who are unable to meet their debt obligations that is worrying. This is an indication that consumers need to adopt healthy financial habits and learn effective ways of managing debt.
Read MoreWhen you consolidate debt, you are rolling all of your debt into one payment. You take out your debt, add it together for your total, make settlements to shave off some of the total cost, and finally roll them all into one bill. And almost always, you are decreasing the amount you are paying each month while getting interest off of your back.
Read MoreThe United States is a nation of debt. Between credit card payments, non-mortgage debt, and student loan balances, debt has hit a record high. Everyone has debt and in order to work on eliminating debt quickly, you have to hunker down with some strategies and really focus on your goals.
Read MoreDebt collectors can be incessant. This guide provides you with the legal, foolproof methods to stop unwanted debt collection calls permanently.
Read More
