We all know that getting out of debt isn’t easy. It can be easy to find yourself in debt, but to dig out of that debt hole is a whole different story. It’s going to take some hard work, determination, imagination, dedication, and a few of these tips and tricks! Nobody likes to be in […]
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The Key Sacrifices to Get Out of Debt
Unlike the common misconception about getting out of debt, it will take much more than just frugality to get it done. Yes, you need to be frugal and spend less, but you also have to make some sacrifices. I’m going to get REAL about how to get out of debt. No more “take lunches to […]
Continue ReadingWhy Credit Card Debt Sucks
The use of credit cards has been one of the major growth industries in the U.S. across the latter half of the 20th century and into the beginning of the 21st century, but the benefits these provide are often outweighed by the problems caused by unmanageable levels of debt. Credit cards can offer many benefits […]
Continue ReadingThe Scary Reality of Being in Debt
Consumer credit card debt and student loan debt are at an all-time high right now, and it’s pretty safe to say that almost everyone has to deal with the pitfalls of debt in one way or another. The strange thing about debt is that it’s an excellent teacher, and it’s also one of the best […]
Continue ReadingHow to Really Mess up Your Financial Future
Everyone knows the general tips for saving money, getting out of debt, and living frugally but do you know the warning signs or big mistakes that could cause major financial hardship? I want to take a look at a list of things that, IF done, will guarantee not just financial failure, but a lifetime of […]
Continue ReadingEverything You Want To Know About A Debt Management Program
We are continuing our goal to become an Agency that is fully transparent and exceptionally informative within our industry. We want to be a thought-leader and the go-to agency for educational information about Credit Counseling and Debt Management Programs. We gave you three new pieces of content about Credit Counseling a few weeks ago, and […]
Continue ReadingCan Debt Collectors Harass You On Social Media?
It seems like everyone is on Facebook or Twitter these days. From the young to the old, a huge majority of people are taking to social media to stay connected with friends and family. What if I told you that’s exactly what some debt collectors are hoping for? Debt collectors who use social media to […]
Continue Reading10 Steps to Eliminate Credit Card Debt
People always ask me this same question: “How can I get rid of my credit card debt as quickly as possible”. And the answer is always: “You didn’t get into debt overnight, and you most certainly won’t get out of debt overnight either. Work hard on it, be patient, and start now!” I’m going to […]
Continue ReadingFair Credit Reporting Improvement Act of 2014
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, distribution, and use of consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), FCRA forms the base of consumer credit rights in the United States. It was originally passed in 1970, and it’s enforced by the Federal Trade Commission. This seemingly outdated Act may receive […]
Continue ReadingHow to Use the Debt Snowball Method
If you owe money on multiple credit cards, you may be wondering where to focus your efforts and which card to pay off first. Some financial experts believe, when attempting to manage your debt, you should aim to eliminate the card with the highest interest rate first. While this method is very effective, if the […]
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