Financial Institutions – Friends or Foe

Regardless of our age, we’ve heard, read, or even seen movies about The Great Depression, which began in 1929 and continued until the late 1930’s. And although The Great Depression had its origins in the United States, it was global in nature—causing a severe worldwide economic downturn. Unemployment, for example, rose above 30% in some […]

6 Secrets Credit Card Companies Don’t Want You to Know

If you think about it, you’ve got a close, intimate relationship with your credit card. Both of you have been inseparable through each daily transaction. You treat it right by paying your monthly minimum payment on time. You know all your card’s intimate details, such as its credit limit & interest rate, right down to […]

5 Ways to Tell If a Debt Settlement Company is Trustworthy

So, you recognize that you are not making any progress paying down your debt, and you realize it is time to turn to the experts to learn how to get out of debt. After conducting some preliminary research, however, you become aware that there are literally hundreds of companies that claim they will successfully help […]


Multiple debts lead to multiple accounts, interest rates, and payment due dates. Managing multiple debts can be difficult enough without the added stress of late or missed payments. If you feel like you’re drowning in debt, it may be time to consider debt consolidation. With debt consolidation, you may be able to reduce or completely […]


While debt relief programs won’t suddenly erase your debts, they can help you take steps to reduce or eliminate your debt over time. Consider working with a debt relief company to negotiate with creditors on your behalf and potentially get your debt under control. Do you have a large amount of unsecured debts like credit […]

Debt Settlement Explained – Choosing The Right Path (Making the right financial choices to stay debt free)

You may think that once your debt relief strategy is implemented, the picture is complete. However, your plan is really just the beginning, the foundation of a continuing path. One of life’s ongoing challenges is developing effective financial strategies that will guide you in the right direction. Each stage of your life can create new […]

Missed Credit Card Payment. Now What?

It’s the end of the month and you just realized that you didn’t make your credit card payment that was due two weeks ago. Or, you opened your billing statement to find a late fee for a payment you thought you made—but didn’t. An accidental missed payment can happen to anyone. However, contacting your creditor […]


Planning to consolidate your debt? You might be worried about what consolidation could do to your credit score. It’s common for many people to see their credit scores decline when they consolidate debt, at least in the beginning. As you pay down debt and reduce spending, you’ll probably see your score begin to climb. Watching […]