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What Should You Know About The Debt Consolidation Company?

If a debt is becoming a burden to your head, opt for debt consolidation programs and get relaxed. There are a lot of debt relief companies who are ready to help you with the debts. But choosing the right debt settlement company or debt consolidation company is not an easy task. What do you mean by a debt consolidation? Debt Consolidation comes under the debt relief program that allows you to take a new loan and pay your outstanding debts. In some of the cases, it helps in reducing the total amount to…continue reading →

How To Manage Your Finances AMID COVID-19

The outbreak of COVID-19 (Coronavirus) has created great upheaval in the stock market and has negatively affected the financial health of the economy, as well as the economic well-being of people across the world. It has led to stressed-out shoppers racing to supermarkets. Many consumers are concerned about how they can afford their day-to-day finances as they are now facing reduced work hours or have been forced to leave their jobs. It is natural to have financial stress. However, the first step is not to panic but to plan. Here are seven financial…continue reading →

Debt Settlement: Working and Risks

Debt settlement refers to the settlement with your creditor where he has agreed to accept a less amount in full settlement of the amount you owe to him. In other words, it also means that the creditors won't hound you anymore for its money. Debt settlement companies act as negotiators who negotiate your settlement with the creditors. It seems to be a good deal, but it might even be risky due to the following reasons: The option of the settlement of debt can destroy your credit. To settle may take a long period,i.e.…continue reading →

Is Credit Card Consolidation right for me?

If it's been more than a year when you are carrying a certain amount of debt in your credit card and you are burdened with the monthly payments and increasing interest rate, then a plan to pay off your debt will be very helpful. Credit card consolidation is one such option that will help in this situation. A credit card consolidation company will offer you it's services. What do you mean by credit card consolidation? In this case, a new loan is taken to pay off the balances on any outstanding credit cards.…continue reading →

Everything you need to know about Debt Solutions

Are you in search of debt solutions? If yes, you must have come across a lot of debt management programs. You might have looked into a variety of options and be confused regarding their working. Let's know more about ways of handling debt and the differences between them and also about debt settlement companies. Debt solutions: Use caution Before getting into an agreement with any debt solutions company or debt relief services, experts recommend you to use caution and also do research about the service provider you are going to hire. Do not…continue reading →

What are the ways to prevent an IRS Levy?

If the IRS seizes a property that they have placed a lien against them and levy occurs. The IRS can levy different types of property - it is of value, it may be a candidate. A levy can be issued after the following actions are conducted: A notice and demand for payment are sent by the IRS. If you have refused or neglected in paying the taxes. If you have received a "Final notice of intent to levy". You can modify or stop levies, but that is not an automatic solution. Here are…continue reading →

Difference between Chapter 7 and Chapter 13 Bankruptcy

Are you confused about whether to file a chapter 7 or chapter 13 Bankruptcy? Generally, bankruptcies are filed under chapter 7 or chapter 13 bankruptcy. Through this blog, you will figure out the differences between chapter 7 bankruptcy and chapter 13. Chapter 7 Bankruptcy This is a liquidation bankruptcy where most of your general unsecured debts like credit cards and medical bills are wiped out without any requirement of paying back balances with the help of repayment plan. In order to qualify for Chapter 7 Bankruptcy, you have to satisfy the income requirements.…continue reading →

How Can a Credit Counselling Service Help

Financial stability can be tough to maintain, especially if you're neck-deep in debts or cannot prepare appropriate budgets to make correct financial decisions. This is where a credit counselling agency can help you. Credit counselling services are designed to help people avoid bankruptcy and live freely beyond paying checks and bills. Here's how a credit counselling agency can help you. Curating a debt management plan to fit your financial position - A credit counsellor will help you come up with appropriate debt management plans which would facilitate easy paying off your debt at…continue reading →

How to Get Out of Debt With Debt Settlement

Are you having trouble sleeping at night due to the burden of your financial debts? Do you wonder whether you'll ever be capable of getting out of debt and have financial freedom again? Well, it is possible to be financially sound again, regardless of how much you owe. All you need is to understand how debt settlement works and have a little bit of patience. What is a debt settlement? Once you decide to stop paying your creditors in a pre-decided way, your initial creditor will try to persuade you to make payment.…continue reading →

Frugality Gone Wrong: 6 Times You Are Not Actually Saving Money

Are you living frugally so that you can save some extra dollars? Surely it does help you live within your means. But, frugality is not just about saving money, it is about making good financial decisions that can help you save over the long haul. Unfortunately, spending money wisely is an important life skill that many people lack. Worse being too thrifty can harm your bottom line if you are not careful. Here are a few thrifty shoppers’ missteps that can end up being the antithesis of frugality. Avoid them as there are…continue reading →