Sawin & Shea

AUGUST 9, 2023

Credit card debt is a huge reason people end up filing for bankruptcy. Many cardholders unable to pay their debt wind up filing for bankruptcy which may be a good answer to big financial problems. Many cardholders unable to pay their debt wind up filing for bankruptcy which may be a good answer to big financial problems.

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Better Credit Blog

APRIL 11, 2022

Since more Americans are under pressure to resolve their debt, we’ve outlined several strategies that reduce or eliminate this financial liability. What is Debt? Debt is the amount of money you owe to a lender or creditor. Some examples of debt are mortgages, credit card dues, and personal loans.

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Sawin & Shea

MAY 2, 2024

If you’re struggling with overwhelming debt, you may be wondering if bankruptcy is the right solution for your financial situation. One of the most common questions people have is “How Much Debt is Needed to File for Bankruptcy?”

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Collection Industry News

FEBRUARY 21, 2022

If you’re struggling to repay high-interest credit card debt, keep reading to learn about three strategies that could help you get out of debt fast. You can also compare a variety of financial products, from balance transfer cards to debt consolidation loans , on Credible’s online marketplace.

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Credit Corp

JULY 20, 2020

Basically, it means the company has given up hope that you’ll pay back the money you borrowed and considers the debt a loss on their profit-and-loss statement. If you make payments that are less than the monthly minimum amount due, your account can still be charged off as bad debt. Consolidate your debt.

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Titan Consulting

MAY 17, 2020

Alternative credit sources that do not report to the credit bureaus can include payments for rent, utilities, service accounts, and personal loans. Titan Consulting Group helps consumers evaluate various debt relief options and choose the right program that best fits their short-term and long-term financial goals.

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Titan Consulting

MAY 24, 2020

Credit bureaus measure variables related to your debt like the total amount of your debt, if you make your debt payments on time, how long you have been paying on debt obligations and how much debt you are servicing relative to how much potential debt has been extended to you.

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Titan Consulting

SEPTEMBER 15, 2020

Financial hardship could make it possible to negotiate debt balances and pay less than the full amount owed. Bankruptcy can wipe out unsecured bills, leaving creditors with no way to recover the debt. When Should You Consider a Debt Settlement Program ? Key Takeaways. Frequently Asked Questions.

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Credit Corp

FEBRUARY 13, 2025

Check out these 17 questions before you sign up for any debt settlement service. In This Piece What Is Debt Settlement? 17 Questions to Ask a Debt Consolidation Company Debt Consolidation FAQ Research Your Debt Resolution Options What Is Debt Settlement? What Is the Risk of Debt Consolidation?

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Credit Corp

JANUARY 8, 2025

Disadvantages: Theres often a fee for transferring your debt, and if you dont pay it off in the specified time, the interest rate may be higher than your original cards. Debt Consolidation A debt consolidation loan is similar to a balance transfer card, but its a personal loan.

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Sawin & Shea

MAY 29, 2024

Here are a few strategies that will minimize your risk of damaging personal finance ramifications from future rate hikes: Manage credit card debt: Prioritize paying down debt aggressively or explore options like balance transfers or debt consolidation to mitigate increased interest costs before rates rise.

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Better Credit Blog

AUGUST 21, 2020

Personal loan: Limited options. Auto loan: Limited options. Others are on the path to repairing their credit, as it takes time to recover from more severe credit occurrences like bankruptcy , foreclosures , or judgments. The good news is, you should be able to get an auto loan with your current credit score.

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Debt Guru

JANUARY 27, 2021

What types of debts can I lump together in a DMP? Unsecured debts, such as credit cards, store cards and personal loans, can be part of your DMP. Secured debts, like your mortgage or car payments, aren’t covered. Student loans aren’t covered, either. What are other options to help me get out of debt?

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Debt Recoveries

OCTOBER 24, 2021

Talk to your Debt Collector. Don’t be afraid of approaching your creditors and debt collectors and talking to them. They can help you avoid a much worse scenario, such as bankruptcy or even court action, simply by picking up the phone and talking to them. Most debt collectors are there to work with you, not against you.

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Better Credit Blog

AUGUST 21, 2020

Bankruptcy. Debt collections. The issues above can hinder your access to both revolving lines of credit and installment loans. With a 560 credit score, you’ll have very limited loan options and will have a hard time getting approved for unsecured credit cards. Personal Loan Options with a 560 Credit Score.

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Collection Industry News

JUNE 13, 2024

Consolidate debt with a personal loan If you have a large amount of debt, consolidating it with a personal loan can be a good alternative to balance transfers that may not cover your total balance. Otherwise, you’ll wind up paying interest again on lingering balances.

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Collection Industry News

APRIL 13, 2024

With a debt management plan, you may be able to consolidate your monthly payments into one and get lower interest rates on your credit cards, making it more affordable to pay off what you owe. These plans typically run for three to five years, allowing you to pay off your debt completely during that timeframe.

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Titan Consulting

MAY 10, 2020

Other databases track rent payments, payday or short-term loans, and online personal loans. Titan Consulting Group helps consumers evaluate various debt relief options and choose the right program that best fits their short-term and long-term financial goals. Which Lenders Use the FICO XD.

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Collection Industry News

APRIL 24, 2025

Bars lenders from using medical devices like wheelchairs and prosthetic limbs as collateral for loans or from repossessing them if someone cant repay the loan. If youre behind on a personal loan or credit card that you used to pay your medical bills, it could still appear on your report.

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Titan Consulting

JULY 8, 2020

Banks operate conservatively and evaluate consumer risk for all credit decisions, including home, car, personal loans, and credit cards. Titan Consulting Group helps consumers evaluate various debt relief options and choose the right program that best fits their short-term and long-term financial goals. Banks and Risk.

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Credit Corp

MARCH 9, 2021

This hypothetical example illustrates how expensive delinquent student loans are, and how long the recovery process can drag on. If your student loan balance is less than your tax refund, you’ll receive the remainder of your tax refund amount after TOP takes its share.

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