Our collection of articles on debt, money and budget planning will help you in making your everyday decisions. To plan for today you must first know your options. Browse below to learn how easy it is to become debt free.
Communicating with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) has been written to protect you from abusive, deceptive, and unfair debt collection practices. The last thing your debt collector wants is for you to be educated on your rights. This is why we have outlined ways to help in communicating with your debt collectors in hopes to achieve the results you desire. Read More
Debt Consolidation At A Glance
To many of us debt consolidation is the only debt relief means that we know about. The interesting thing about debt consolidation is that it closer relates to bill relief than debt relief. Read More
Credit Card Savvy
Credit cards can be convenient at times, but mismanagement can cause financial heartache. The best way to become a savvy credit card user is through understanding: Read More
Cutting Costs
As Americans, we average $8,000 in credit card debt. This is an increase of over 200% since 1990. Some say that if we keep up this rate we will average $12,000 in credit card debt, and spend 3% more than we make a year by 2010. Incredibly economists do not see this changing anytime soon. Read More
Know What Mortgage Companies Examine
It is important to understand how mortgage eligibility is decided. To determine this mortgage companies examine your income, collateral, credit history, debt amount, and employment history. Read More
Bankruptcy At A Glance
The new bankruptcy laws have caused changes to the previous qualifications making it harder to file. A Chapter 7 bankruptcy filing, where your debt is forgiven, is even harder to qualify for now. Read More
Credit Card Universal Default
Unlike a car or home purchase, an asset does not secure a credit card purchase. The pay off period for credit card is not set like a mortgage or car loan. Read More
Know Your Credit Score
Knowing what your credit score is made up of can benefit you in many ways. Less than 15% of consumers know their credit score before they go to make a major purchase. Read More
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