When facing mountains of debt, many people begin to search out their debt relief options. One of the most tricky aspects to debt relief has to do with the type of debt. Secured debts, like a mortgage or car loan, are more difficult to resolve since the lender holds the power of foreclosure or repossession.  … Read more

We all want a better credit score. Even if you are significantly in debt or delinquent on some accounts, it is possible to improve your score. However, the credit improving process takes time and patience. You won’t be able to boost your credit overnight, but there are ways to get you on the path to  … Read more

Dealing with creditors is never a fun experience. Whether you are fielding collection calls or trying to get something from them, creditors tend to be short and inflexible.  As you can imagine, credit card negotiations is no different. Since the creditor holds all of the veto power over any negotiated deal, getting them to help  … Read more

Finding the right debt solution can be a daunting task. Although bankruptcy is an option that is available to just about anyone, many people fear it because of the misconceptions associated with it. Further, most financial experts will advise you to seek alternative options for debt relief before considering bankruptcy. While this may be a  … Read more

Credit card negotiations are a great way for debtors to lower their monthly payments and find relief from their credit debt. The process can be tricky and dealing with creditors is never easy. Being prepared before you contact the creditor is your biggest negotiation tool.  However, many people don’t know what to ask for when  … Read more

The amount of credit card debt held by the average American has soared over the last few years. Reports show that the majority of families have 2 to 4 credit cards, each holding thousands of dollars in debt.  Most people find it difficult to get out of debt, many simply because they lack the knowledge  … Read more

When attempting to negotiate with creditors many issues are at play. While you are trying to obtain the best deal for a lower payment, the creditor is trying to get as much of their money as possible. Credit card negotiations can be quite stressful and many people may  not be able to get what they  … Read more

When you are drowning in credit card debt, the idea of negotiating with your creditor may seem like a daunting task. Although many people are successful at negotiating debt repayment plans directly with their lenders, it is not always the easiest task. Having a credit negotiation specialist can greatly increase your odds of winning a  … Read more

Every day, we hear about a friend who has resolved their credit card debt through a debt settlement. It can seem like a tempting proposition, but before taking this serious financial step, it is important to assess the options available and determine if this is the right choice for you. Only with a comprehensive understanding  … Read more

Many individuals that are in dire financial straits are there at the behest of their credit card debt. If this is you, then you should start looking for ways to help eliminate or mitigate your expenses, and create a comprehensive financial plan to help you budget better in the future. But in the meantime, there  … Read more