Debt Relief

5 Steps to Take When You Don’t Recognize Debt

January 31, 2016

Creditors and debt collectors commonly contact consumers who fall behind in making debt payments. Sometimes, however, creditors may contact the wrong person about an outstanding debt. Other times, scam artists can pose as debt collectors to try to get personal information from consumers in order to commit identity theft. In the event you are contacted…
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5 Ways Delaying Bankruptcy Can Majorly Cost You

January 10, 2016

Managing debt is part of life for many people. When that debt becomes overwhelming and unmanageable, however, ignoring the problem – and putting off bankruptcy or other debt relief options – can be ruinous. That’s because debt won’t disappear and creditors will become increasingly determined to collect the monies owed to them. Overtime, if borrowers…
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Red Flags to Beware of When Shopping for Debt Relief Services

December 20, 2015

Turning to a professional for help getting out of debt can be a smart decision when you are no longer able to pay your bills and/or when your debt seems to be growing regardless of your efforts to reduce it. After deciding to get professional debt relief help, however, the next important decision will be…
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Did You Know these 4 Things that Can Damage Your Credit?

November 20, 2015

Your credit report and credit score can impact your buying power and borrowing opportunities. For those who are preparing to make larger purchases (like homes or motor vehicles), improving their credit or maintaining good credit can be essential to qualifying for a loan (or qualifying for optimal rates). For others, working on having better credit…
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4 Essential Facts to Know about Colorado Payday Loan Laws

November 10, 2015

When money is tight and sudden expenses come up, some people may consider taking out a payday loan to help them get by until their next influx of funds. Although payday loans can be helpful in limited circumstances, however, they can also cause big problems for some people struggling with debt, possibly causing that debt…
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Can Bankruptcy Stop Wage Garnishments?

October 31, 2015

Whether or not bankruptcy can stop wage garnishments will depend on whether the garnishment has already gone through. Specifically, when people file for bankruptcy, a court injunction known as an automatic stay will immediately go into effect. The automatic stay will halt creditors from taking any additional action against bankruptcy petitioners – and this includes…
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3 Tax Debt Solutions When You Can’t Pay the IRS

August 10, 2015

Being pursued by any creditor can be stressful. When that creditor is the IRS, however, the situation can be more intense. This is because the IRS can bring your financial situation to a complete halt, cutting you off from your bank accounts and income (when deemed necessary). So, if you have a tax debt that…
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5 Questions to Ask Yourself When You’re Struggling to Pay Your Bills

July 10, 2015

Now and again, money can get tight. When, however, these financially challenging times are not temporary, asking yourself the following questions can help you figure out what your options are for getting out of debt and improving your financial situation. When Overwhelmed with Debt, Ask Yourself… 1 – Can I cut back my spending? When…
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5 Steps to Take When You Need a Financial Fresh Start

June 10, 2015

When you can’t seem to make any headway on digging yourself out of debt and improving your financial situation, it may be time for a financial fresh start. While the paths to getting this fresh start will be different for different people (depending on their debt situation and some other factors), in general, the following…
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7 Holiday Spending Mistakes to Avoid (Pt. 3)

November 18, 2014

Ending our three-part blog series 7 Holiday Spending Mistakes to Avoid, below we will highlight some final ways you can avoid holiday spending mistakes this (and every) year! More Holiday Spending Mistakes to Avoid Mistake 6 – Not being careful to protect yourself from identity theft while you do your holiday shopping. As holiday shoppers…
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