Debt consolidation can be a helpful tool for managing multiple debts, but does debt consolidation affect buying a home? This article...

If you’ve ever struggled with credit card debt, you might have come across the term “charged off as bad debt.” This seemingly ominous...

Debt-related stress is a pervasive issue that affects millions of individuals and families, often leading to anxiety, health problems, and...

Millions of people in the United States are saddled with medical debt, with one in five Americans currently in collections for medical...

Debt Collectors Keep Calling Me!   No one likes getting calls from debt collectors. Owing money to a group of strangers who...

Paying off your debt fast comes with many short-term and long-term benefits. It can help you build strong credit over time with a positive...

If you're dealing with credit card debt, you're not alone. Millions of Americans struggle with carrying balances and paying high interest...

Credit card debt can feel overwhelming, but understanding your options for resolution can help you take control of your financial...

Have you received a letter informing you of an outstanding debt? You're not alone. Debt collection notices can be intimidating and packed...

Managing your debt effectively starts with understanding your debt-to-income (DTI) ratio. This guide helps you calculate your DTI ratio so...

While it can be easy to get into debt, getting out can be a real challenge. High interest rates, late fees, and minimum payments that...

The number of Americans with debt is at an all-time high. Total household debt reached $17.5 trillion last year. Being in debt can feel...

Your debt-to-income (DTI) ratio is a financial metric that lenders use to assess your ability to manage monthly debt payments relative to...

For many, credit card debt can be a major burden to financial well-being. But don't worry – taking control of your debt is possible. In...

Are you drowning in credit card debt? Feeling like those minimum payments are barely making a ripple, while interest charges keep piling...

Debt settlement is an approach to resolving unsecured debts such as credit cards and medical bills for less than the total amount owed....

When you’re in debt, you might feel alone. But you’re not – total household debt reached $17.5 trillion last year. Creating your own...

When you’re in over your head with credit cards, student loan payments, and more, paying off your debt can seem nearly impossible. Debt...

Establishing a strong credit score while managing your existing debts may sound straightforward. After all, your credit score is primarily...

If you've been contacted by a debt collection agency about an outstanding debt, you should have received something called a debt...

Embarking on a journey towards a debt-free life may seem daunting, but with discipline and strategic planning, it's entirely achievable....

Managing finances involves a nuanced understanding of when to address old delinquent credit card debt and when to proceed with caution....

Before embarking on any borrowing endeavor, it's imperative to evaluate whether the loan aligns with your financial objectives. By...

Are you stuck in a relationship with your finances – or lack thereof – and often thinking about whether you should break up? Ending a...

Your health is more important than any credit score and when the unexpected happens (as it usually does), sometimes you have to pay a...

Getting a credit card is an exciting milestone in life, just like getting your driver’s license or turning 21. But it can be confusing to...

If you’re like most people, chances are you have credit card debt. In fact, according to Value Penguin, the average credit card debt per...

I have a love/hate relationship with on-line retailers, subscription model apps, and anything else that charges me a low monthly fee -...

The debt avalanche method helps you pay down your debt by starting with the highest interest rate loans first.  This strategy has the...

The debt snowball method helps you pay off your debt by starting with your smallest debt balance first and then tackling the larger ones....

"Home equity is a means of accumulating wealth, not a piggy bank". Todd Emerson, Founder & CEO - Credit & Debt I have been a...

Bankruptcy is a scary word. But it could offer the financial solace you need when a financial situation has become too overwhelming to...

The third round of stimulus checks for COVID-19 relief started going out this past weekend after the bill was signed on March 11th. ...

There is an ancient Chinese proverb that says: “The best time to plant a tree was 20 years ago.  The second-best time is now.” ...

I have a love/hate relationship with one of the most popular parent quotes on personal finance. If you are under the age of 18 you...

One of my father’s favorite sayings when I was growing up was, “Boy, you can twenty-dollar someone to death.” Why did he say that? Because...

It’s easy to become cash rich and asset poor. Our CEO, Todd Emerson, reveals the true cost of borrowing money.

Debt settlement is often portrayed by settlement companies as a magic bullet for anyone drowning in debt. But the truth is, debt...

Paying off large amounts of debt can be a daunting task. If you’ve recently fallen behind on payments, have more cards than you can...

There are many situations that may make it hard to pay off your credit card bills or loans, including illness, job loss, or simply missing...

If you’ve recently been in the market for a mortgage loan, you may have come across the term “debt-to-income ratio.” This ratio is one of...

Many people know when they’re struggling financially. Intuitively, we feel the pressure of not having enough cash to meet all of our...