Life Happens – Options For Reducing Your Debt

Whether its medical bills, car repairs, rent increase, or other unplanned expenses – Life sometimes gets in the way and you find yourself spending more than you have. There are times when you just don’t have a choice and you have to spend well beyond what you have just to keep going. So if you find yourself staring at those unbelievably high bills with ever higher interest charges then maybe it’s time to step back […]

September 24th, 2015|Tags: bankruptcy, consumer debt settlement, credit counseling services, debt consolidation, debt relief, debt settlement|

FICO Credit Score Changes

FICO Credit Score Changes are Bringing More Fairness to Lending Decisions

What is FICO?
FICO credit scores, which have become consumers’ financial passport to just about everything from rental apartments to most loans, are based on the information in an individual’s credit reports, which are generated by the three major credit bureaus: Equifax, Experian and TransUnion. The scores are based on a 300- to 850-point scale. A good credit score furthers your borrowing power and financial opportunities.

Below […]

December 8th, 2014|

Small Businesses: Choosing Debt Relief or Bankruptcy!

Choose Bankruptcy or Debt Relief For Your Business?

To answer this question, you have to know what has caused the problems the business now faces and what are the prospects for change. If your business is in trouble, how do you determine if bankruptcy or debt relief is necessary or helpful for your situation?

Is the business a corporation, a partnership, or a proprietorship?

Corporations, limited liability companies (LLC) and partnerships are legal entities separate from their shareholders or […]

May 27th, 2014|Tags: business debt management, business debt relief, business debt settlement, small business debt|

Benefits To Seeking Consumer Credit Counseling Services

Are you unsure where your next paycheck is coming from? Have you exhausted all your options just to make your minimum monthly payments? This may be just the solution you need to get your finances in order. Consumer Credit Counseling Services, also known as CCAS, is a popularly advertised debt relief program available for clients that have a racked up credit card debt. If you have credit card debt and […]

May 27th, 2014|Tags: consumer advising services, consumer counseling services, credit counseling services|

Credit Counseling Scams and How To Avoid them!

Don’t Get Scammed

When a person acquires large enough amounts of debt to the point they can’t keep up with their payments and are facing the reality of bankruptcy and losing everything they’ve worked hard for, financially, life can feel as if it couldn’t get any worse. Unfortunately, there is debt counseling agencies around that are waiting for a consumer to happen upon them with that exact assumption.

They extend their hands with a facade of friendliness […]

May 27th, 2014|Tags: avoid being scammed, credit counseling scams, debt relief scams|