All Articles for Debt

4 Ways to Rebuild Your Credit After Bankruptcy

The goal of Chapter 7 bankruptcy is to provide financial relief, but it can also create worry about your future finances. Most people know that a bankruptcy stays on your credit report for 10 years. I

Best Ways to Consolidate Credit Card Debt

If you feel like a dark cloud is always hanging over you because you have too much debt, consolidating what you owe may bring clearer skies. Taking control of your finances and getting out of debt giv

7 Debt Traps to Avoid

Debt is a scary thing. It's like being in jail: Once you're in, you have to work hard and be on your best behavior before you are free. A debt trap is simply a situation where debt is extremely diffic

8 Tips for Young Adults to Stay Out of Debt

Although millennials aren't taking on debt as quickly as their parents did, debt is still an issue. In a recent New York Times article, Americans under the age of 35 aren't buying houses or cars as re

8 Ways to Build Credit

Credit can be a double-edged sword. On one hand, good credit helps you land a secure job, rent a nice apartment, buy a car or house, and get loans with low interest rates. On the other hand, bad credi

13 Myths About Debt Consolidation

Debt consolidation is a popular debt-management technique, but there's a lot of misinformation about what it really is. Debt consolidation, in the classic sense, means just one thing: You have repacka

What is Debt Consolidation and How Does It Work?

In our consumer society, it's easy to get into debt. Not only have expensive "luxuries" like smartphones and high-end electronics become the norm, the average American is often dealing with

5 Signs You Should Consolidate Your Debt

They say money can't buy happiness, but it does buy a lot of things that make us happy, from toys to trips to tools that help us achieve our goals in life. Unfortunately, when you spend too much money

Is a Debt Management Program Right For You?

In our consumer-oriented society, we’re encouraged to spend, sometimes beyond our immediate means. Added to that is the need to build good credit, which most people do by taking out a credit car

Thirty (Plus One!) Financial Tips for Millennials

Whether you're experiencing the excitement of your first steady paycheck or have been working for years, learning to manage your money wisely can help you not just in the short-term but well into the

Should You Choose Debt Consolidation, a Debt Management Service or Bankruptcy?

Are you struggling to get out of debt? You’re not alone. Nearly 80 percent of Americans owe money to a creditor, while over a third are delinquent in payments. In general, it’s better to try to pay of

Ten Signs You Need a Financial Advisor

In the past, people thought financial advisors were only for the very rich or for those in financial trouble. More recently, the focus on retirement preparation has increased the demand personal finan

DebtWave Credit Counseling

DebtWave is a San Diego-based 501c3 nonprofit provider of consumer credit counseling and debt management programs. In addition to these services, DebtWave also offers financial literacy courses in the

Pros and Cons of Credit Monitoring Services

Your personal information is everywhere. Your employers, retailers, doctors, schools, banks and social media accounts all have your private information. This information can be used by nefarious indiv

How Credit Reporting Agencies Can Protect You From Identity Theft

You’ve seen the news reports about large data breaches at some of the nation’s top retailers. These breaches have the potential to affect millions of consumers. They highlight the need to protect your

3 Tips to Maintain a Flawless Annual Credit Report

Your credit report compiles the information that lenders use to determine their risk when you ask them for credit. If you maintain a high credit score, lenders will be falling over themselves to get y

What Are You Really Getting With Your Free Credit Monitoring Service?

You have decided to begin using a credit monitoring service to take control of your financial health. The next step is finding a reputable company to provide your credit reports that can give you a cl

Could Your Credit Report Keep You From Your Dream Job?

You nailed the interview. This is the job you’ve been waiting for. The next day you get the call, but instead of finding out when you start, you get disappointing news. The two final candidates

Oak View Law Group

Oak View Law Group is a law firm that provides debt relief services and is not a debt relief company. While you can expect similar results as you would with a debt relief company, this arrangement has

Pacific Debt Inc.

Editor’s Note: Since our last review, the provider has notified us that they have added a mobile management portal, partnered with a debt management provider and gotten accredited with the IAPDA

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