How to tell the difference between a legitimate debt collector and scammers

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By: CFPB Dealing with debt collection issues can be challenging—especially when you’re not sure if the person you’re being contacted by is legitimate or trying to scam you. When an account like a credit card, auto loan, or cell phone bill becomes past due, the original creditor may attempt to collect the amount owed. The creditor may also hire a … Read More

Top 9 Money Mistakes People Make

adminBudgeting, Credit, Credit Cards, Credit Score, Debt, Money Management, Saving, Student Loans

By Jim Garnett, The Debt Doctor After counseling average Americans about their financial problems for many years, I noticed early on that there is a common set of money mistakes people usually make. Money Mistake #1: Being comfortable with debt. Why would anyone choose to be a slave if he could choose to be free? One answer is because, over … Read More

Debt Counseling Teaches You 4 Easy Ways to Get Out of Credit Card Debt

Jeanne McTaggartDebt

Debt Counseling

Credit card debt is a problem for people of all ages. Experts say cash-strapped college students often live on credit. Meanwhile, young couples use credit cards for miscellaneous wedding and honeymoon expenses. Retired people often use credit cards to supplement their Social Security income. With debt counseling, you learn about different ways to get out of credit card debt including … Read More

Debt Counseling for an Upbeat Debt Escape Plan

Jeanne McTaggartDebt

Debt Counseling

Wishing away your debt does not get you too far, but there are foolproof plans to pay off credit card debt. With debt counseling, you figure out how to keep your finances in check so you feel empowered in all parts of your life. Debt affects not just your physical surroundings, but your spiritual and emotional health. According to an … Read More

Debt Counseling to Get out of Debt on a Limited Budget

Jeanne McTaggartDebt, Debt Consolidation

Debt Counseling

Most people who seek debt counseling want to get out of debt but struggle with limited funds. If you had more money, you would likely pay off your credit card debt. According to an article by cheatsheet.com, most people would love it if their debt just magically disappeared. When you sign up for a debt management plan, your credit card … Read More

Debt Consolidation Before Credit Card Rates on Existing Debt Goes Up

Jeanne McTaggartDebt Consolidation

Debt Consolidation

If you have put your credit card statements aside, figuring you will get to it eventually, it’s more important than ever to consider debt consolidation. When you sign up for debt consolidation, you lower your interest rate so you can pay off all of your credit card debt in less time. It’s becoming increasingly more important to pay attention to … Read More

10 Back-To-School Shopping Tips that Save Money

adminBudgeting, Christian Credit Counselors, College Debt, Consumer, Coupons, Credit Cards, Credit Counseling, Credit Score, Debit & Your Credit Score, Debt, Debt Consolidation, Finance, Freebie, Holiday Tips, Kids & Money, Money Management

To your kids, shopping for new clothes, gear, and school supplies may be the only good thing about going back to school, but that doesn’t mean you have to spend a fortune every year. Here are 10 great ideas for how to get everything they need and save a few bucks doing it. Hold off buying trendier gear Kids may … Read More

Use the Start of the School Year to Set the Stage for Your Child’s Financial Success

adminBudgeting, Christian Credit Counselors, College Debt, Consumer, Coupons, Credit, Credit Cards, Credit Counseling, Credit Score, Debit & Your Credit Score, Debt, Debt Consolidation, Debt Settlement, Goals, House, Kids & Money, Money Management, Personal Goals, Saving, Student Loans, Uncategorized

By: Brittany Frost Where did the summer go? As the school year rapidly approaches, children are preparing for the academic and social journey of the next grade level while parents are bracing their financial situation for the costs of continuing education. Parents can take this golden opportunity to go above and beyond just shopping for school supplies at Wal-Mart and, … Read More

Debt Counseling When You Aren’t Sure if It Is Ever OK to Pile up Debt

Jeanne McTaggartCredit Counseling, Debt

Debt Counseling

New Federal Reserve Data shows Americans owe the most revolving consumer debt since 2009. With so many people acquiring more credit card debt, you might wonder if it’s ever OK to pile up credit card debt. With debt counseling, you get the answers to enigmatic personal finance questions. According to a recent article by Bloomberg.com, a lot of cardholders carry … Read More

Hidden Perks of Debt Consolidation When You Have High Balances

Jeanne McTaggartDebt, Debt Consolidation

Debt Consolidation

People who keep high credit card balances often face challenges buying a home or simply living a stress-free life. According to a recent article by marketwatch.com, paying off your credit cards helps borrowers get into a new home in some cases. Fannie Mae plans to reward people seeking home loans when they pay off credit card debt. By consolidating debt … Read More