All Articles

Credit Counseling vs. Debt Settlement vs. Bankruptcy
Gina Freeman (Pogol)

March 16, 2025

Compare credit counseling and debt management plan (DMP) to debt settlement (debt relief) and bankruptcy.

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Credit card counseling pros and cons
Erik J. Martin

March 16, 2025

Credit card counseling agencies can help you learn how to manage your credit and debts. Find out more here.

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Scam? The Tax Debt Compromise Program Phone Call
Erik J. Martin

March 16, 2025

Is the tax debt compromise program phone call a scam? here's how to tell.

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How Long Does Debt Relief Take?
Richard Barrington

March 16, 2025

All debt relief takes time, but debt settlement generally gets your credit back on track faster than bankruptcy. Learn more here.

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7 Steps to Prepare For the Debt Settlement Process
Richard Barrington

March 16, 2025

Know your budget, know your goals, be ready to engage with your creditors. Learn more about getting ready for debt settlement.

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How to avoid common pitfalls in debt settlement
Richard Barrington

March 16, 2025

Learn how to avoid pitfalls and get your finances back on track with debt settlement.

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Finding Hope in Hardship: Understanding Your Emergency Debt Relief Options
Rebecca Lake

March 16, 2025

When you’re in financial distress, things can feel hopeless. But emergency debt relief can help ease your burden and put you on a path to stability.

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How to use hardship programs to temporarily suspend credit card payments
Dana George

March 16, 2025

Credit card hardship programs might help you catch up on debt payments. Here’s how they work

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Is Severance Pay Taxable? How Job Loss Affects Your Taxes
Richard Barrington

March 16, 2025

How is severance pay taxed when you lose your job? There are no tax breaks when you lose your job.

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How Much Debt Can Be Forgiven With Debt Settlement?
Kimberly Rotter

March 16, 2025

Got too much debt? Here’s how debt settlement might help.

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What’s it Like to Go Through Debt Relief?
Richard Barrington

March 16, 2025

Debt relief is an emotional journey with highs and lows, but can be ultimately very rewarding

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The psychological benefits of settling your debts 
Aaron Crowe

March 16, 2025

Need another reason to get rid of debt other than getting your financial life in order? You could feel better emotionally.

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What Does it Mean to be a Cosigner?
Richard Barrington

March 16, 2025

Cosigning means taking legal responsibility for a loan. Learn how cosigning might impact your finances and credit, and how to protect yourself.

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What’s the Difference Between a Secured Credit Card and a Prepaid Debit Card?
Richard Barrington

March 16, 2025

Secured credit cards and prepaid debit cards serve different purposes. Learn the differences.

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Is Debt Settlement Worth It?
Richard Barrington

March 15, 2025

Debt settlement has both costs and benefits. We'll walk you through the strategy that could eliminate some of your debt.

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5 Ways to Get Rid of Debt Stress
Thilini Wijesinhe

March 15, 2025

Debt stress can affect your health and well-being. Learn about 5 proven ways to get rid of debt stress and take control of your finances.

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Is a Credit Card Secured or Unsecured Debt?
Miranda Marquit

March 15, 2025

Sometimes it’s a good financial move to plunk down your own cash for a secured credit card (you’ll get your money back). Our expert explains.

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How to Get Out of Credit Card Debt Fast
Erik J. Martin

March 15, 2025

Get out of credit card debt fast with debt acceleration, consolidation, debt management, debt relief, or bankruptcy.

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10 Holiday Shopping Debt Traps You Need to Avoid
Charla Myers

March 15, 2025

Shop early, get free shipping, look for treasures: Here are 10 helpful tips on celebrating…

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The Credit Card Sign Up Bonus: Too Good to Be True?
Sara Korn

March 15, 2025

Free money, or a way to lure you deeper into debt? Here is what you…

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5 Strategies to Help Manage Small Business Debt
Anna Baluch

March 15, 2025

In tough times, you will need to work even harder to manage your small business…

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Understanding Bankruptcy and Debt
Anna Baluch

March 15, 2025

The coronavirus has led to more people filing for bankruptcy, but that isn't always the…

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Tips to Defend Yourself Against Zombie Debt
John Russo

March 15, 2025

Knowing whether your old debt has truly expired can be tricky. Read these tips for…

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How to Negotiate Your Credit Card Debt
Gina Freeman (Pogol)

March 15, 2025

Our expert shares effective techniques for negotiating credit card debt and putting it behind you.

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Debt Snowball or Debt Avalanche: Which is Better?
Tammi Huang

March 15, 2025

If you have debt, explore the debt snowball or debt avalanche method. Both methods involve…

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What is Zero-Based Budgeting?
John Russo

March 15, 2025

What is zero-based budgeting? It's a smart way to track your income and expenses, but you should also be aware of zero-based budgeting pros and cons.

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