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Is Debt Settlement Legit?

Titan Consulting

Multiple state and federal agencies strictly regulate the debt settlement industry. All types of debt relief programs come with negative consequences, including non-profit credit counseling and bankruptcy, and will directly or indirectly negatively impact your credit score. Key Takeaways.

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How to Ensure Financial Security in the Future–in 12 Steps

Credit Corp

Include a line item in the budget for any credit card debt. If your gross monthly income is $5,000, then your debt-to-income ratio would be 49%. Eliminate or Avoid Any Credit Card Debt. Some debt can be considered “healthy” or “productive.” Account for a splurge. Subtract expenses from income.