Category: Dealing with Debt

Understanding What Debt-to-Income Ratio Means

Your debt to income ratio (DTI) is a key component of how healthy your credit is. It has no effect on your actual credit score, but lenders take it into consideration when it comes to applying for a mortgage or other major loans. Lenders use the DTI ratio to help them to calculate how much […]

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How Much is Your Debt Really Costing You?

We have a guest blog post for you from Katie Bryan over at America Saves. We partner with America Saves, because they are a national campaign linking more than 1,000 Non-Profit, government, and corporate groups that encourages consumers to save money and build personal wealth. We stand behind their message and mission. We are always […]

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The Value of Credit Counseling in Everyday Life

Credit counseling is often an overlooked free financial tool in our busy everyday lives. We need good credit for everything these days as we transition to less and less cash in our lives. The truth is good credit is not only for financing, but it’s also essential in setting up utilities, getting a cellular phone, […]

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Debt Management – Dos and Don’ts

Debt can mount up fast, sometimes catching us off guard. However, there are some Dos and Don’ts on debt management that will help you manage your debt more effectively. One “Don’t” tip is to never sign for a mortgage or loan before reading everything; especially the fine print. If you don’t read the fine print, you may […]

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Free Credit Counseling Could Help You Get Out Of Debt

Debt is an American epidemic that plagues the majority of the population. Sometimes income is no sooner earned than it is spent in trying to get out of debt. Credit cards are the most common culprit. They are relatively easy to obtain and certainly very easy to use. That’s just the problem. Massive credit card […]

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Debt Management Starts With Changing Your Behavior

Do you find yourself deep in debt? Have you enrolled or experimented with any debt settlement programs, but that just left you worse off than before? Are you tired of worrying about money every month? If so, you are not alone. Millions of Americans find themselves in a similar situation every single day. If you […]

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The Benefits of Free Consumer Credit Counseling

Credit is one of the most important tools a consumer can have. In today’s society credit is vital to being able to have financial influence and being able to navigate as a consumer. A person has to protect their credit and safeguard it. Once an individual gets labeled as having bad credit, it can be […]

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Credit Counseling and Budget Counseling FAQs

Individuals who are in debt and are thinking about filing for bankruptcy may want to consider alternatives that are available. One alternative is to seek a credit counseling program or a budget counseling program. Counseling can be a tool that allows consumers to help pay off their debt in as little time as possible. 1. […]

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Debt Reduction Resources

It is so easy to find yourself in debt. Whether you lost a job, are not able to pay for student loans, or are having issues keeping your house due to an adjustable rate mortgage, not having enough money on your hands can be a rather difficult situation and can quickly result in you falling […]

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The Importance of Consumer Debt Education

When facing crippling debt and an avalanche of past due notices, a consumer’s thoughts often turn towards bankruptcy, a seemingly traditional approach to solving ones financial difficulties in the short-term. In many cases, bankruptcy is only a temporary fix, rather than the cure. The underlying problems continue to exist even if the balance sheets are […]

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Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone