Debt Reduction and Management
This section primarily focuses on debt management and getting out of debt. It also has subsections that cover related areas of borrowing and lending money, credit cards, and your credit (e.g., credit score and credit history).
Can’t Pay Your Debts? 5 Ways to Hide from Your Creditors
Few people, when swiping their credit cards, or getting a car loan, do so with the intention of defaulting on their debt. In many cases, they are sure they can afford the debt, and that they [...]
What is Student Loan Deferment and Loan Forbearance?
For many Americans, student loans are a way of life. Their parents had them and graduated with debt, and the unfortunate tradition has been passed down to the next generation. During the boom years of the [...]
Starting Over by Declaring Personal Bankruptcy
The recent recession hit many people hard. But it’s not only recession related issues, such as job loss, that can cause financial problems. A big medical emergency or accident can deplete your finances — even when [...]
How to Deal with Debt Collectors and Stop Harassing Calls
Owing a debt that you are behind on can be a humiliating and frustrating experience. When your unpaid bill is well beyond being past due, it is written off and sold to a debt collection agency. [...]
Loan to Value Ratio: Why It’s Important
When you own a home, one of the most important concepts you can understand is loan to value ratio. Your loan to value (LTV) ratio is an expression of the amount of your mortgage as a [...]
How to Effectively Deal with Student Loans After Graduation
If you are like many Americans who needed help financing their higher education pursuits, you are facing a student loan note each month fairly soon after the pomp and circumstance has ended. About two-thirds of college [...]
The Pros and Cons of an Early Student Loan Payoff
If you went to college sometime in the past several years there is a good chance you are still carrying student loan debt. While student loans can help you pay for college, they can also feel [...]
How Debt Consolidation Loan Works and Why it Usually Does Not!
Want to know a secret about debt consolidation loans? They usually don’t work. There’s a lot of money to be made by promoting and arranging these loans, as well as the enormous hope that surrounds them, [...]
Is Using a Debt Snowball a Good Idea?
There are many personal finance experts, including money guru Dave Ramsey, who promote the efficiency and effectiveness of the debt snowball solution. While it’s true that this method can work for some it is certainly not [...]
How to Use Passive Income to Get Out of Debt
Do you carry any debt? If you are like most people, then you probably have an account somewhere that you are working hard to pay off. Maybe it is that pesky credit card payment that doesn’t [...]
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