Debt Counseling: A Personal Action Plan for Financial Success

Jeanne McTaggartCredit Counseling

Personal Financial Progress When your stomach is tied in knots every time you think about your finances, or if you turn your phone to vibrate so you won’t have to deal with bill collectors, you may want to seek out debt counseling. A lot of people feel hesitant at first because they aren’t sure what to expect. Once they find out … Read More

Debt Consolidation – Three Signs you Need it

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Overcoming Financial Shame “Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.” Romans 13:8 Financial debt can be a source of shame and stress for a lot of people. One of the danger signs that your spending is out of control is when you are constantly moving … Read More

A Debt Free Lifestyle – From Debt Consolidation to Support Groups

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Living Debt Free Many people feel like their financial lives are completely disorganized.  At times, they don’t feel like taking the steps necessary to get out of debt because they don’t think that they can maintain a debt-free lifestyle.  However, staying out of debt doesn’t have to be that difficult.  If you follow a few simple steps, you can live … Read More

Debt Consolidation – Five Immediate Benefits

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Five Benefits of Debt Consolidation Most people understand the idea that debt is bad for you.  They can see how debt consolidation will be beneficial in the long run.  After all, once you get out of debt, you’ll be able to have a better lifestyle.  However, debt consolidation isn’t something that will only help you after a period of several years; it … Read More

Debt Consolidation Options

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Debt Consolidation – What You need to Know You’ve heard about debt consolidation, and wonder if it can help you get control of your debt. If you owe several debts, the answer could be “yes,” but there are considerations. Here’s what you need to know. What: Debt consolidation is the process of replacing multiple debts with one loan or repayment program … Read More

Debt Counseling and Your Underwater Mortgage

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Understanding Underwater Mortgages Is your home underwater? No, I’m not talking about flooding, but that is certainly a possibility in some parts of the country right now! If you owe at least 25% more on your mortgage than your home is worth, it’s defined as being “underwater”. And that’s not a good place to be. During the recent Great Recession, … Read More

Why You Need Debt Counseling

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The American Debt Nightmare Most Americans struggle daily with debt. They seem to never have enough money for the things that they need, yet that does not stop them from wanting things too. It seems so easy to pull out the credit card for purchases that you need and want. Here are some negative impacts of debt. Having debt can … Read More

Debt Consolidation vs. Debt Collection

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The ABC’s of Debt Collection The debt collection process can be a nerve-racking experience for many debtors. By the time a debt collection service is brought into the situation, the nerves of the debtor are frayed due to mounting bills and legal notices. This is wholly understandable that being in this situation is intimidating. Debt collection just like any other … Read More

Debt Counseling – Six Common Causes of Debt

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Understanding Your Debt The first step to recovering from debt is to identify that an issue exists and investigate how the issue came about so you can avoid it in the future. If you are in debt you want to work on paying off your debts but you also should try to gain an understanding to prevent returning to the … Read More

Debt Consolidation – Understanding how it can Help

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Avoiding Financial Struggles Anyone who has been through a collections process knows that it is a very emotionally shaking experience. Calls at all hours of the day, demands being made that you simply can’t afford to live-up to, and even court orders and garnished wages. There are some answers to avoiding that hassle, but one stands out as a way … Read More