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Debt Articles

Bankruptcy

How Can Bankruptcy Affect A Family? How Can Bankruptcy Affect A Family?

To say that bankruptcy negatively affects a family unit and its individual members would be a severe understatement. Bankruptcy is an incredibly stressful event and can affect a family financially, emotionally and physically if steps are not taken to...


How To Fix Your Credit After Filing Bankruptcy How To Fix Your Credit After Filing Bankruptcy

It can take a number of years to fix your credit after filing bankruptcy but it's a necessary step because of how important your credit history and credit score are to daily life. Many employers will not hire you for a job and landlords will not rent...


Causes Of Consumer Bankruptcy Causes Of Consumer Bankruptcy

The primary causes of consumer bankruptcy are the usual suspects like divorce and job loss. A more recent cause is substantial medical bills while not having the benefit of health insurance. And unfortunately, a common cause of personal bankruptcy is...


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Get Out Of Debt

Tips On Staying Out Of Debt Tips On Staying Out Of Debt

Easy access to credit has been the number one downfall for most consumers resulting in excessive debt and getting in over their heads financially. New credit card offers seem to come everyday and financial institutions continually advertise refinanci...


Simple Ways To Get Out Of Debt Simple Ways To Get Out Of Debt

Getting out of debt provides multiple benefits from reducing stress to creating new financial opportunities. There isn't one single best solution to eliminate excessive debt since you can use multiple techniques and pick the ones which work best for ...


How To Get Out Of Debt With Low Income How To Get Out Of Debt With Low Income

Sometimes it can seem impossible to get out from under excessive debt. The stress resulting from unpaid bills and collectors calling you at home can make it feel like there's no light at the end of the tunnel. Fortunately that is not the case and eve...


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Debt Consolidation

How To Consolidate Debt With Bad Credit How To Consolidate Debt With Bad Credit

Most consumers will already have bad credit when looking to consolidate and payoff excessive debt. Fortunately, there are a number of options and services available to individuals who may find themselves burdened with large amounts of debt and no cle...


How To Do Debt Consolidation Without A Lawyer How To Do Debt Consolidation Without A Lawyer

There are a number of different options available to consumers to consolidate debt without the assistance of a lawyer. Normally a lawyer should only be consulted when all options are exhausted because their services are often expensive and are best u...


Pros And Cons Of Debt Consolidation Programs

Enlisting the services of a debt consolidation company can be beneficial for consumers who aren't able to make financial ends meet. Debt consolidation programs can help combine many different bills into a single monthly payment with the goal of reduc...


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Collection Agencies

Stop Collection Agency Harassment

Collection agency harassment can be a big problem and severely affect an individual's quality of life and their ability to carry out day-to-day activities. The key to stopping this type of harassment is understanding your rights under the law and bei...


How To Deal With A Collection Agency

Generally speaking most collections agencies follow federal guidelines established under the Fair Debt Collection Practices Act or FDCPA. What this means is that they are only legally able to talk to the responsible party for the outstanding debt and...


What Is A Collection Agency?

A collection agency, as its name implies, collects on outstanding debt either for itself or another organization. There are two primary types of collections agencies. Those which are contracted by other businesses to collect on a debt owed by custome...


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Debt Free

What To Pay First When In Debt What To Pay First When In Debt

Being overwhelmed by excessive debt can make it difficult to see the forest for the trees. Sometimes all you can see is a pile of bills and realize you don't have enough money to pay them all. Owing more than you make means you will have to prioritiz...


What Is Good Debt And Bad Debt What Is Good Debt And Bad Debt

Debt often gets a bad rap in the media and with consumers and in some respects it is accurate. This is because both parties are often referring to credit card debt which is exploded in recent years leading to an increase in bankruptcies and other pro...


How To Lower Your Debt How To Lower Your Debt

Debt isn't necessarily a bad thing and like most aspects of life, moderation is the solution. Most consumers aren't able to pay cash for a house or a vehicle. It is also unlikely that they can fully fund a college education or start a new business wi...


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