How Debt Negotiation Works Yara Zakharia, Esq. It is often said that in life, one should never settle for less.  For borrowers confronted by an avalanche of consumer debt, however, the converse of this motto holds true.  Stuck between a rock and a hard place, a significant number of fiscally-challenged Americans are capitalizing on the […]

Yara Zakharia, Esq. In the United States, a two-digit number known as the debt to income ratio provides valuable information to both creditors and debtors.  Deemed by many experts to be as pivotal as the credit score, this personal finance indicator offers insight into a consumer’s financial health and ability to repay future loans or […]

Comparing Bankruptcy vs. Consolidating Debt Joseph Lederman Being in debt is almost like being trapped in a cave with no way out. It can be an incredibly challenging and emotionally demanding experience to escape from. Staying on top of numerous loans can be very difficult and can often lead to bankruptcy. If you are struggling […]

Managing Debt: Solutions to Keep You Debt Free Mevish Jaffer If you are one of the millions of people in the U.S. who is buried under a mountain of debt, then perhaps it’s time to understand the importance of getting out of debt. While it is easier said than done, the truth is that managing […]

Lower Your Interest Rates with a Debt Consolidation Loan Jen Jones Have you ever been faced with numerous debts owed at different times in the month and having different interest rates? Does this situation overwhelm you? This is where debt consolidation loans enter. Debt consolidation loans are simply debt settlement programs which can help you […]

Student Debt Consolidation Loans: Lightening Borrowers’ Burdens When the pomp and circumstance dies down and is eclipsed by the financial reality of student loan repayment, the average college graduate feels overwhelmed by his or her debt typically ranging from $10,000 to over $100,000.  With unpredictable cash flow due to the uncertainty of immediate employment and […]

14 Time-Tested Debt Management Methods and Debt Solutions Yara Zakharia, Esq. Stranded in an ocean of over-the-head daily expenditures, budget-breaking emergency expenses, maxed-out credit cards, and spending sprees, an increasing number of Americans living paycheck to paycheck are struggling to reach a harbor of financial safety and security.  Fueled by the ubiquity of credit and […]

Minimizing Credit Card Debt through Consolidation & Lower Rates Mevish Jaffer When money is tight and the need to finance certain purchases is absolutely necessary, many individuals find it simple and convenient to charge them on a credit card. The financial independence that credit cards provide allows individuals to pay for large expenses, including their […]

No Teletrack Payday Loans: Access to All Yara Zakharia, Esq. Like an agonizing ulcer, a financial emergency needs to be treated immediately in order to prevent further endangerment or damage.  For the average American living paycheck to paycheck and confronting a short-term cash crunch, the only quick fix appears to be a loan from a […]

Credit Card Debt Consolidation or Settlement: Two Debt Resolution Titans Federal Reserve statistics bluntly confirm that millions of Americans are living on the edge of a precipice called credit card debt: Nearly 50% of card holders in the U.S. carry a credit card balance Outstanding credit card balances top $800 billion The average rate of […]