When it comes to finding debt relief there are many options, but not all are created equal. Further, what may be your best option may not be the best option for your friend or neighbor. Debt relief is a personal matter that is 100 percent unique to your financial situation. So why would you just  … Read more

Many people who are facing overwhelming debt begin to question their options. While it may not feel like there is a way out of debt, the truth is there are several options. However, knowing which one is best is not easy and many people will of horror stories related to certain options. Listening to others  … Read more

Drowning in debt? Creditors calling? Getting threatening letters about debt collections? This is all too common among those who are suffering with financial hardships. Credit collections can become stressful when you lack the income to pay your accounts. Although you may be dealing with a  large debt burden, you don’t have to put up with  … Read more

By this time of the year most of us have already begun feeling the pressure holiday shopping brings. There aren’t too many families who can afford to splurge this holiday season, but even those who can tend to overspend like the rest of us. With so many retailers offering supposedly great deals, many of us  … Read more

Debt is a process. It doesn’t  happen overnight, but it can sneak up on you faster than you’d expect. Having a plan to resolve your debt troubles can be as easy as learning to recognize where you are in the stages of debt. There are several debt management options, each providing different benefits and risks  … Read more

One of the most common debts that people hold when entering bankruptcy is unsecured debts. These are debts that are not secured against any property or asset as collateral, which make them more easily managed in the bankruptcy process. However, just because credit card debt is generally easily discharged in bankruptcy, doesn’t  mean that everyone  … Read more

If you are like most of us, money  is tight; which makes spending for holiday gifts more difficult this year. Although finances aren’t what they used to be, it seems like everyone’s gift list is as long as ever before. Credit card companies know that the holiday season is the biggest retail season of the  … Read more

As mom always said “practice makes perfect” and the same is true for money management and debt relief. Many people don’t end up in bankruptcy because they ignored the warning signs or turned a blind eye to their debts, it is usually because they lack the knowledge to manage their finances appropriately. There are a  … Read more

The road to financial freedom is much more difficult than the road that lead you there. Getting out of debt is not always easy and you can bet it is going to take tough decisions and a lot of effort on your part. There are several ways to alleviate your debts, each of which come  … Read more

A recent review of surveys show a clear pattern in our spending habits. The information revealed not only makes us think twice about the importance of getting out of debt, but really shows us that it is no surprise the personal debt burden has bit epic highs in recent years. Of course, the economy and  … Read more