Debt Collectors: Know Your Rights Against Wrong Practices

adminBudgeting, Christian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Money Management, SavingLeave a Comment

Doomsday Debt Collectors  Debt collectors may be within their right to pursue repayment, but you should know how to protect yourself against doomsday debt collectors and their extreme tactics. Fair Debt Collection Practices Act First, you should be aware that there are laws in place that govern the practice of debt collection. The Fair Debt Collection Practices Act was written for … Read More

High Car Payments Can Drive You Over the Edge

adminCar, Christian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Goals, Personal Goals, SavingLeave a Comment

High Car Payments It is an all too common story. Many people struggling with debt can trace the beginning of their debt problems to a new car purchase – a big monthly payment, financed for too long. Some households even have two vehicles with large payments in the $400 to $500 range. With the budget maxed out, you can see … Read More

Credit – The Four Most Common Forms

adminBudgeting, Christian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Goals, Money Management, Personal Goals, SavingLeave a Comment

What is credit?  Credit is defined in a couple of ways. One is the amount of money you are approved to borrow from a lending institution. With this approval comes an agreement to repay the charges, any additional fees that can or will be applied, and to abide by time restrictions. Credit can also be classified as your borrowing reputation. … Read More

Making Money Matters Manageable in Your Marriage

adminChristian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Goals, Investing, Money Management, Personal Goals, SavingLeave a Comment

Mutual Money Management  Is it love or money that makes the world go round? It’s both…Make money work for your marriage, not against it.  You need tips on strengthening your marriage through mutual management of your money.  This can be done and can even be fun!  Keep reading to find out how. Financial Honesty Have open, honest and non-confrontational discussions … Read More

Money, Love, and Marriage

adminChristian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Money Management, Personal Goals, SavingLeave a Comment

Marriage and Money Roses are red; violets are blue. No matter the cost, I’ll stand by you… Have you had the talk yet?…You know, the one about money, spending habits, future goals, budgeting…? If you haven’t, it should be a top priority for your relationship.  If you have, have it again.  Discussing finances should be a regular and healthy part … Read More

Debt Settlement – Full of Empty Promises

adminChristian Credit Counselors, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement

Empty Debt Settlement Promises “Cut your debt in half fast!” “Put a stop to the harassing creditor calls!” To desperate ears, these catch phrases sound very enticing. Debt settlement agencies make all kinds of promises, but can’t necessarily deliver. They allude to having all the answers to your financial problems and want you to trust them to free you from … Read More

Mortgage Loan Types – Home Buying

adminHome, Home & Mortgage, House, Loans, MortgageLeave a Comment

Home Buyers and First Loans Buying your first home? You may be thinking the hardest decision you have to make is picking a house.  However, the hardest decision you will be making in this process is what mortgage loan to sign for.  The main types of loans are: fixed rate, adjustable rate, interest only and reverse. Federal Housing Administration (FHA) … Read More

The Credit Card Act – Facts You need to Know

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The Credit Card Act The Credit Card Act was signed into law in 2009 under President Barack Obama. The act set up several provisions aimed at limiting how credit card companies can charge consumers. In July 2011, the Consumer Financial Protection Bureau (CFPB) opened as a part of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The Card Act … Read More

Credit Reports – The Knowledge You need to Know

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Improving Your Credit Score The best way to improve your credit score is to improve your knowledge on credit reports.  There are three major credit bureaus that put together your credit report: Equifax, TransUnion, and Experian.  Although the information they gather is yours, you do not own it, these agencies own your information.  They have collected the information and they … Read More

Student Loan Forgiveness Options

adminKids & Money, Loans, Student LoansLeave a Comment

Student Loan Forgiveness After my last post about Student Loans, I received a question asking for more in depth information about student loan forgiveness.  I researched and found the following information.  These are the careers that can possibly eliminate your student loans.  If you decide to partake in one of these programs, make sure beforehand that you can use it … Read More