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When should I file bankruptcy? What are my options? When considering declaring personal bankruptcy, there are two basic types offered under the U.S. Bankruptcy Code: Chapter 7 and Chapter 13. Making the decision to file for bankruptcy may be one of the biggest financial decisions you will make in your life. Chapter 7 Bankruptcy Chapter […]

Could you use some free debt settlement tips to help with your debt? Can you get a loan to payoff negotiated debts? What taxes do you have to pay on settled bills? These simple tips can help you negotiate with your lenders, get a debt settlement loan, and determine the taxes you will have to […]

Debt settlement strategies can help you work with creditors to settle your bills and get out of debt quickly. Before beginning debt settlement negotiations you must understand the difference between secured and unsecured debt and how to settle your bills. Debts that are Good Candidates for Settlement Unsecured debt includes (but is not necessarily limited […]

Debt settlement scams are around. The poor economy coupled with the bank bailout in the early part of the recent recession has brought in a new wave of companies and marketing advertising services as part of the “Debt Mediation Initiative.” Don’t let the “Debt Mediation Initiative” catch you off guard! Let it be noted once […]

Learning about debt consolidation and money management. This site came about because we firmly believe there is a time and circumstance for each debt relief option discussed on this site. Our goal is to provide as much debt relief information as we can, so you can determine which debt relief option is best for you, […]

Debt Management is knowing your debt habits. If you know what triggers your spending, you can control your impulses, avoid your debt traps, and finally get permanent debt relief. Understanding Debt Traps Once you realize where your money goes, you can take the necessary steps to avoid the same habits that got you into debt. […]

This a term thrown about all over the place. It’s also a very misunderstood concept. Definitions run the range from not being in debt ever again to using money management to control debt and learning how use credit to your advantage. It’s having credit available, using it wisely, saving religiously, and planning accordingly. What Is […]

by Cheryl (Hemet, Ca, USA) We have refinanced our home many times (dumb), except when it was to lower the rate. Most times, we used equity to pay off auto loans, pay credit card debt. Therefore, we ended up with more debt and proceeded to keep using credit cards, which always seemed to be soooooooo […]

If it seems like you’re drowning in credit card debt and you’ll never get out, don’t panic! Here are some fast ways that you can cut credit card debt, even if you don’t think you have any extra money. Pay More Than the Minimum Payment Have you looked at the real amount of your minimum […]

Understanding how your credit score can affect your path to credit repair, will help you make better financial decisions in the long run. To begin with, you may be wondering what a Beacon or FICO rating is, and how it is used by creditors to determine your credit worthiness. It is an industry standard for […]