Debt Consolidation and Your Financial Health

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Christian Credit Counselors

Debt: The New Normal Nowadays, it’s pretty normal for most people to have a certain amount of debt.  From school loans to credit card debt, there is a vast array of places that people owe money to.  Sometimes, it’s necessary for you to get into debt.  For example, if you’re taking out loans to go to school, that’s often a justifiable … Read More

Debt Counseling After a Medical Event

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

Christian Credit Counselors

Unexpected Financial Catastrophes We never want to imagine what could happen if our spouse had a stroke or severe heart attack. We believe we’ve planned well for any medical needs. We’ve got enough savings to tide us over. Our health insurance will cover every possible cost. We’ll be fine. Unfortunately, medical catastrophes are among the most common reasons for a couple … Read More

Debt Counseling Firms – Signs to Look For

adminChristian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Consolidation, Money Management, Uncategorized

Christian Credit Counselors

Drowning in Debt When you are drowning in debt and can’t seem to make a dent, it may feel as if there is no answer. Many individuals want to avoid filing for bankruptcy if possible because of the long-term negative effects. However, few know about the alternatives that are available. Debt counseling can help you get back on track financially, … Read More

Debt Consolidation Loans – The Dangers to Consider

adminCredit Cards, Credit Counseling, Debt

Dangers of Debt Consolidation Loans If you’re having difficulty meeting your minimum monthly payments on student loans, credit cards, medical bills or other loans, you can apply to financial institutions for a debt consolidation loan to lower monthly payments and interest rate. The bank pays off all your debt and then you have one monthly payment to the bank for the loan consolidation … Read More

Debt Consolidation – Knowing The Facts

adminChristian Credit Counselors, Debt

Bearing the Burden of Debt The burden of debt can weigh heavily on many individuals. While some people misuse credit to get themselves in this type of trouble, others were forced to turn to credit cards and loans to survive. For these individuals, debt consolidation may be the right solution. Determining when to use this process will help you make … Read More

Credit Cards: Considering Credit History

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

Considering Your Credit  Do you have credit card accounts that you don’t use? Are you thinking about closing these unused accounts to clean off the slate? Read this article to learn more about the effects of closed accounts on your credit history. A Fair Isaac representative reported that closing accounts does not directly hurt one’s credit score, regardless of whether … Read More

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

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