Blogs - Page 5

If you are reeling under the burden of credit card debt, you should take action now and explore what debt relief options are available to you in order to pay off credit cards. This article examines the pros and cons of a debt consolidation loan vs. debt settlement.
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Debt doesn’t just go away when you die, but that doesn’t mean your loved ones are always responsible for it. Instead, your estate will need to cover the debt using available assets, while the Fair Debt Collection Practices Act ensures that family members are not unfairly targeted for payment. Here is an overview of what happens to credit card debt and different types of property or personal mortgages when you die.

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Some types of debt can rob you of your freedom, future, and financial options. However, under some circumstances, some types of debt may actually end up helping you in the long run.  It pays to know the difference...
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For some, earning rewards through churning is an attractive option. For others, frequent credit applications may mean lower credit scores and credit card debt. In many cases, though, the need for constant credit card payoff can lead to financial strain.
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Retirement is the time most working people picture as the moment when they have enough money to enjoy life without having to work. Yet many people retire and still carry home equity loans or even student loans, despite having worked for many years. Life demands make it harder for older Americans to retire, even if they have worked a lifetime. Carrying debt into this phase of life can be a significant source of stress.

Having a large amount of debt when you are ready to retire can present a retirement planning challenge. Here are some tips on paying down debt in retirement.

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Vacations should be about relaxation and the stress-free enjoyment of the moment. But how can you relax and live in the moment if you charge your trip to a credit card and have to worry about how you’re going to pay for it as soon as you get back?

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If you are one of the millions of Americans in credit card debt and you’ve been exploring your debt relief options, you’ve likely already discovered that there’s a lot of information on how to settle your debt. Paying off debt can feel like an uphill battle, especially when it seems like there is never enough money to be fully debt-free. Thankfully, there are several debt repayment plan solutions available to you, such as debt settlement.

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If your goal is to save money – you need to work it into your budget. Read on for tips on how to budget to save money.

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Understanding how creditors evaluate your creditworthiness is one step in the right direction toward achieving your financial freedom. After all, knowledge is power, and knowledge of how financial matters work can help you make your way out of debt into financial stability.

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It’s very easy for individuals and households to find themselves in debt, particularly in the current economic situation. Prices are increasing but salaries are not following, which means that many people are struggling with debt to cover everyday expenses. An unexpected expense like a broken dishwasher or a problem with your car can easily derail your finances and increase your debt to unmanageable levels. That’s where credit counseling and debt settlement come in.

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