Debt Solutions Articles

How to Not Stress about Money: 4 Key Tips
Charla Myers

October 12, 2017

Wondering how to not stress about money? Check out these four tips for dealing with and overcoming the financial stress in your life.

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Credit Counseling vs. Debt Settlement vs. Bankruptcy

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

April 12, 2023

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

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7 Steps to Prepare For the Debt Settlement Process
Richard Barrington

June 24, 2024

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

June 24, 2024

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

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

June 19, 2024

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

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The psychological benefits of settling your debts 
Aaron Crowe

June 17, 2024

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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Is Debt Settlement Worth It?
Richard Barrington

June 17, 2024

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 19, 2023

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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10 Holiday Shopping Debt Traps You Need to Avoid
Charla Myers

November 21, 2017

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

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5 Strategies to Help Manage Small Business Debt
Anna Baluch

April 2, 2020

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

May 15, 2020

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

October 25, 2018

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

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

October 28, 2018

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

February 28, 2019

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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3 Reasons People Stay In Debt
Tammi Huang

January 13, 2017

People get into debt for many reasons. But sometimes, they stay in debt because they…

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Debt – Is It a Dating Deal Breaker?
Tammi Huang

August 8, 2013

Dating someone with debt might seem like deal-breaker, but it doesn’t have to be. Here…

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How to Tell the Difference Between Good Debt and Bad Debt
John Russo

July 24, 2018

What is good debt vs bad debt? Learn about how good debt can help you and improve your credit and how to conquer bad debt that could be holding you back.

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Do it Yourself
Aimee Bennett

February 3, 2022

This could be the right solution for you if you are able to consistently pay more than the minimum balance due each month.

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11 Tips for Talking to Your Partner about Debt
John Russo

May 15, 2018

Find out how you and your significant other can make a plan to save more…

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Debt Load and Your Finances
Richard Barrington

July 30, 2023

Debt load measures how big a burden your debts are becoming so you can plan to keep your payments manageable.

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Tax Consequences of Debt Settlement
Richard Barrington

July 30, 2023

Having debt canceled can result in a tax liability, which you should understand before you pursue cancellation.

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The Gift of Financial Freedom - How to Avoid Holiday Debt
Thilini Wijesinhe

March 31, 2023

With the right plan, you can enjoy the festive season without getting into holiday debt.

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Can You Get An Emergency Loan With Bad Credit?
Gina Freeman (Pogol)

February 7, 2023

If you need cash fast, an emergency loan is one solution and you can qualify even with bad credit. Learn about your options.

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Debt Settlement vs. Debt Consolidation: Which Is Right for You?
Richard Barrington

May 31, 2024

Debt consolidation helps you reorganize your debt. Debt settlement is for people who can’t afford their debts.

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Debt Consolidation vs Bankruptcy for Debt Problems: Which Is Better?
Erik J. Martin

April 13, 2022

Debt consolidation and bankruptcy are very different solutions for debt problems. What's better for you?

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How to Be Debt-Free by Retirement
Richard Barrington

March 13, 2022

How to retire debt-free: Should I pay off my mortgage before I retire?

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5 Steps to Get Debt-Free Fast
Richard Barrington

March 13, 2022

Five steps you can take to get debt-free faster so you can start to enjoy the benefits now and in the future.

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Client Stories: Mounting Credit Card Interest Prompts Action
Aimee Bennett

March 9, 2022

A story about a Freedom Debt Relief client who funded his college life with credit cards and faced mounting credit card interest.

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Client Stories: Unexpected Life Circumstances Build Up To Debt Challenge
Aimee Bennett

March 9, 2022

A story about a Freedom Debt Relief client who faced a debt challenge after funding her college life with credit cards, and had unexpected medical expenses.

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Meet Our Clients: Maxine T.
Anna Baluch

September 14, 2020

Freedom Debt Relief strives to help everyday Americans resolve their debts and create brighter financial…

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Meet our Clients: Chris A.
Anna Baluch

August 14, 2020

Freedom Debt Relief is passionate about helping everyday Americans move towards a better financial future.…

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Meet Our Clients: Laura A.
Anna Baluch

July 21, 2020

Our Freedom Debt Relief clients have each taken a journey to get on the path…

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Is a Balance Transfer Card Harder to Get Right Now?
Sara Korn

July 17, 2020

Due to the coronavirus financial crisis, lenders are making it harder to get a balance…

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Meet Our Clients: Patti B.
Anna Baluch

June 16, 2020

Freedom Debt Relief shares our client stories of facing down debt and moving to a…

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How to Manage Student Loan Debt
Justine Nelson

November 11, 2019

If you have a large student debt load, you're not alone. Here are several options…

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Meet Our Clients: Peggy and Howard
John Russo

May 21, 2019

Find out how our clients, Peggy and Howard Powell saved money and got out of…

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4 Bad Ways to Pay Off Debt
Charla Myers

November 8, 2018

There are better and worse ways to approach paying off your debts. Some types of…

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10 Warning Signs of Financial Trouble
Tammi Huang

September 30, 2018

Understanding how to spot the warning signs of financial trouble is the first step toward…

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Should You Go Debt-Free? Pros and Cons of Debt-Free Living
Gina Freeman (Pogol)

January 6, 2022

Is being debt-free a good goal to have? Debt-free living does not mean never borrowing — it means managing your borrowing and developing good spending habits. Learn…

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How Does Debt Settlement Work?
Noelle Marr

September 1, 2021

Debt settlement could substantially reduce the amount of debt you owe, but how does it work? Learn about Freedom Debt Relief’s 4-step process.

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Debt Settlement Pros and Cons
Gideon Sandford

April 30, 2023

What are debt settlement pros and cons? Before signing up for a debt settlement program, learn about the benefits and pitfalls including...

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How to Write a Debt Settlement Letter
Rebecca Lake

November 9, 2022

A well-written debt settlement letter is crucial to the debt negotiating process. You should outline the details of the debt-settlement offer and the terms...

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What Is Credit Counseling?
Rebecca Lake

January 21, 2022

What is credit counseling? How credit counseling works. What it’s like to go through credit counseling.

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Debt settlement companies: What they are and how to find one
John Russo

January 17, 2019

Before signing up for a debt settlement company, learn about the risks and benefits of debt settlement by asking the company these 4 questions.

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Debt Management Program: What it is and How to Find One
Charla Myers

June 25, 2018

If you're struggling with your debts, one option is to enroll in a debt management program, which may help you with a debt strategy and get better rates.

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How Do I Talk to Someone I Want to Help Get Out of Debt?
Charla Myers

December 5, 2017

Is there someone close to you that you want to help get out of debt? Be patient, be empathetic, and try these 7 talking points.

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What is Unsecured Debt?
Richard Barrington

May 26, 2022

You may have heard the term unsecured debt and wondered what it means. Learn more about unsecured debt, secured debt, and how to manage them both.

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Debt Counseling: Make it Work for You
Erik J. Martin

October 2, 2022

Debt counseling offers a wide range of services, including advice on debt management, budgeting, and money management. A debt counselor can guide you to the debt solution that...

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