When in debt negotiation with a creditor or loan collection agency, the status of payment notes on your credit report are tiered from neutral to negative. Though you may not be able to have the debt notation entirely removed from your credit report, you should push a collection agency or creditor to notate the paid  … Read more

When overburdened by debt, it is easy to begin to feel hopeless and stuck. Many money savvy people take on too much debt and may even get behind in their payments.  It is not uncommon for even the most financially sound individual to fall on hard times in this economy, leaving them without the ability  … Read more

Lately, much attention has been given to the national debt and the debate over how to fix it. We owe more than we can afford to pay back, we lack the money needed to pay our national “everyday” expenses and our time is running out. Despite the indecision of the government to find a solution,  … Read more

Princess Diana was well known for her majestic and always trendy fashions. Pieces from her extensive dress collection are displayed in exhibits around the world. Often, her pieces are sold as part of charity auctions.  Unfortunately, one woman’s mission to keep Diana’s charitable nature alive has led her to bankruptcy in the wake of economic  … Read more

When it comes to managing your debt load, there are several paths you can choose to put you back on the road to financial freedom. Many companies advertise services that offer to settle your debt for “pennies on the dollar”, promising a quick reduction of your debts. Other companies offer programs to consolidate your debts  … Read more

Planning for retirement is a steadfast process that takes intentional effort and dedication to saving money. Very few of us will have the luxury of having a large retirement that was funded by our employer, and instead must make every effort of our own to diligently save for retirement. Only 20 percent of Americans report  … Read more

In the past, you might receive a knock on the door to find a Old System Needs New Rules The Federal Trade Commission was originally set up to monitor the interactions between consumers and businesses, offering protection from unfair business practices. With more Americans slipping further into debt each year, the FTC has begun to  … Read more

You may have heard about the “Obama debt relief plan” in the news lately. Many people assume this refers to the plan President Obama is working on to help fix the economy. With the unemployment rate near 9%, many Americans are looking for help when it comes to getting out of debt both individually, and  … Read more

Some people, for one reason or another, either forget or fail to pay a bill for a service they have received. In turn, the service provider may terminate the service contract leaving the consumer without service. This usually sparks tension between the consumer and the service provider. Many people assume that the company will eventually  … Read more

If you ask people what causes them the most stress in life, the majority of people will answer “money”.  Not just money itself, but the lack of money to go around for all their bills. Money troubles is one the largest contributors to the divorce rate, and now, it is becoming a big reason people  … Read more