Although many of us carry around a moderate to burdening amount of credit debt, most of us are unaware that we also have account rewards waiting to be cashed-in. In many cases, your credit card lender could owe you bonus points, or even have services to help you in a time of need that you  … Read more

These days just about everyone has some level of credit debt. While credit debt can be a good thing, there is a fine line between credit boosting debt and credit destroying debt. The one thing about all credit debt is that it is negotiable, and you don’t even have to be suffering a financial hardship  … Read more

If you are currently behind on your debts you may be waiting for that dreaded phone call from a debt collector. Although no one wants to deal with creditors, avoiding the issue is only going to make matters worse. The key to resolve debt collections can be found in a few simple steps: Take the  … Read more

Negotiating debts isn’t easy, which is why many people tend to shy away from the process. However, negotiating with your creditors can be the difference between being stuck under a giant debt load and possibly being forced into bankruptcy, or finding financial freedom from those debts. While the process may not be easy, it is  … Read more

No one wants to deal with a debt collector, especially when they are experiencing a financial hardship. While it may be tempting to avoid collection efforts in hopes of developing a debt negotiation plan, it is important you answer at least one call. Why? Because they may have information about your account you need to  … Read more

No one wants to be harassed by creditors, but it does happen and sometimes in very abusive ways. Debt collectors are notorious for using threats or intimidation for collecting on credit debts. While your debts are your responsibility you don’t have to be subject to unfair collection practices. The best place to start when combating  … Read more

When debts become overwhelming it can often feel as though your options have run out. While you might not think credit negotiation is feasible, it is often easier than you might think. In fact, you probably already have the tools needed to successfully lower your debts. Burden Of Proof The biggest obstacle most people face  … Read more

If you’re dealing with credit debt, then you’re probably sick of how it weighs you down and controls your life.  Credit debt can be a burden on your shoulders, and plenty of people (worst of all, creditors) are reminding you of the burden day after day.  However, it doesn’t have to be like that!  While  … Read more

If you’re like many Americans, you are probably struggling with some form of debt.  If it’s not a credit card, it’s a mortgage.  If it isn’t a car payment, it’s student loans.  Unfortunately, debt has become a regular part of our American lives.  In order to keep your head above water, you need to incorporate  … Read more

Perhaps you have the credit card company harassing you on every front.  If you’re in this unpleasant situation, and have at least some funds to start cutting back on your credit card debt, you could benefit from adding the skill of credit negotiations to your money management resume.  Credit negotiation is a key part to  … Read more