The subject of debt can seem somewhat overwhelming to understand. That said, being familiar with the different types of debt is essential for those looking to borrow.

With excessive credit comes excessive debt. The most efficient way to manage that debt would be something called a Debt Settlement. These have been around for years, thousands of years to be exact. It’s been only a decade or two since they’ve become popular in the United States. Debt Settlements were established as a means […]

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 […]

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 […]

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 […]

One of the major factors contributing to America’s current financial crisis is the increasing amount of people who are drowning in debt! Rising interest rates, finance charges and other types of hidden fees are just some of the reasons for why many Americans are unable to get out of debt. Whether the debt is a […]

An individual who undergoes an unsecured debt consolidation plan can get out of debt much sooner than those who try their own course of action. This is due to the rate of interest reductions, lower monthly payments, elimination of additional fees and penalties.Reliable debt consolidation companies maintain relationships with many creditors throughout the country. These […]

The importance of having a good credit score cannot be stressed enough in this day and age. For starters, your credit score bears the greatest factor in the decision banks and other lending institutions make to extend credit. The truth is that being able to borrow money is extremely essential in the world we live […]