How to Use Negotiation as a Debt Relief Method

If you owe $5,000, $10,000 or more in unsecured personal debt, such as credit cards, you may find it impossible to keep up with your monthly payments. As a result, you could be tempted to declare personal bankruptcy. Unfortunately, back in 2005, the US Congress made it… View full post...

Should I Consolidate My Debt Now or Never?

For many people, consolidating debt provides a way of managing debt better and paying it off sooner. Having one regular repayment to make it easier to budget, you will often find that the rate on your newer loan will be lower than the interest rate on credit… View full post...