Debt Solutions Articles

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

April 6, 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

April 6, 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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3 Reasons People Stay In Debt
Tammi Huang

April 6, 2025

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

April 6, 2025

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

April 6, 2025

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

April 6, 2025

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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Debt Load and Your Finances
Richard Barrington

April 5, 2025

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

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

April 5, 2025

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

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5 Steps to Get Debt-Free Fast
Richard Barrington

April 5, 2025

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

April 5, 2025

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

April 5, 2025

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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Tax Consequences of Debt Settlement
Richard Barrington

April 5, 2025

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

April 5, 2025

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

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Meet Our Clients: Maxine T.
Anna Baluch

April 4, 2025

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

April 4, 2025

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

April 4, 2025

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

April 4, 2025

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

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How to Manage Student Loan Debt
Justine Nelson

April 4, 2025

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

April 4, 2025

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

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Debt Settlement Pros and Cons
Gideon Sandford

April 4, 2025

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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Debt Management Program: What It Is and how to find one
Dana George

April 4, 2025

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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Meet Our Clients: Patti B.
Anna Baluch

April 3, 2025

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

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Should You Go Debt-Free? Pros and Cons of Debt-Free Living

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

April 2, 2025

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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How to Write a Debt Settlement Letter
Rebecca Lake

April 2, 2025

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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