Category:
Debt Relief

Scale weighing benefits of credit counseling vs credit repair

Credit Repair vs. Credit Counseling

By Tom Jackson | October 31, 2019

Good credit means better interest rates on homes, cars and credit cards, lower insurance rates, easier access to rental apartments and utilities and maybe even better job opportunities. Consumers with…

Credit Card and Repair Scam

How to Avoid Credit Repair and Credit Counseling Scams

By Joey Johnston | October 29, 2019

There are two terms that consumers with blemished credit reports should be careful with: credit repair and credit counseling. Credit repair companies are to finances what car repair is to…

Examining paycheck and bills

Ending the Cycle of Living Paycheck-to-Paycheck

By Tom Jackson | September 27, 2019

Surviving paycheck-to-paycheck in America is simultaneously commonplace and scary. But this doesn’t mean people just scraping by can’t overcome the debt that threatens to swamp them. All it takes is…

Checklist of debts to pay first

Which Debt to Pay Off First

By Tom Jackson | September 11, 2019

Facing a mound of piling debts each month is an exhausting process. You may be tempted to throw chunks of your paycheck at your auto loan one month and then…

Concerned woman looking at many credit cards feeling anxious and scared with huge amount of debt

Should You Choose Debt Consolidation or Credit Counseling?

By George Morris | August 23, 2019

Pros and Cons of Debt Consolidation and Credit Counseling The short answer to that question is: Yes. As flippant as that sounds, it can’t be stressed enough that if your…

Illustration of Bankruptcy Alternatives

Bankruptcy Alternatives

By Joey Johnston | August 1, 2019

Federal and state laws provide bankruptcy as a remedy for unmanageable debt, but the price you pay to clear away financial obligations is a steep one. Filing for bankruptcy will…

Debt Settlement vs Debt Counseling

Should You Choose Debt Settlement or Credit Counseling?

By Joey Johnston | July 26, 2019

You’ve tried it all – eating Raman noodles twice a day, creating a budget, cutting your cable TV – but despite those efforts, your credit card debt kept growing and…

Man in debt needs relief

How Does Debt Relief Work?

By Tom Jackson | July 10, 2019

Flip through the channels on your TV, and you’re bound to see an ad offering debt relief. Why? American families in debt have a lot of it … and many…

Filling out a petition for bankruptcy online

Online Bankruptcy

By George Morris | July 8, 2019

If bankruptcy is in your future, there are tools online to help you navigate the maze. However, filing for bankruptcy is far more involved than ordering a two-topping special from…

Computer displaying an online credit counseling course

Online Credit Counseling

By Joey Johnston | July 1, 2019

Nowadays, we do everything online. We pay the bills, shop for groceries, and order Chinese food without leaving the comfort of our couch. Doing things online is just plain easier…

Sources:

  1. NA. (2018, January) NFCC Begin a brighter financial future today. Retrieved from https://www.nfcc.org/
  2. NA. (2018, January) Find a Credit Counseling Agency. Retrieved from https://fcaa.org/about-fcaa/
  3. NA. (2018, June 22) List of Credit Counseling Agencies Approved Pursuant to 11 U.S.C 111. Retrieved from https://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111
  4. NA. (2012, November) Choosing a Credit Counselor. Retrieved from https://consumer.ftc.gov/articles/choosing-credit-counselor