1. Start by Calculating How Much You Owe The first step — assessing the damage and getting the full picture of how much debt you’re…
If you’re feeling stretched thin trying to pay down credit card debt while staying current on student loans, you’re not alone. The key to managing both is finding practical ways to free up cash, whether…
Key takeaways A 609 dispute letter is a formal way to request more information about the accounts on your credit report. Sending a 609 dispute letter may help you remove errors from your credit report. Legitimate accounts should stay on your credit report even if you send a dispute letter.…
Thomas Barwick/Getty Images Key takeaways Debt consolidation and bankruptcy are strategies to relieve debt, but the effects are radically different. Bankruptcy can give you a fresh start by restructuring your debts or liquidating some of your assets, but it can ruin your credit. Debt consolidation combines several debts into one,…
Key takeaways Debt relief options can help reduce your balances or lower your interest rates. Debt consolidation loans and balance transfer credit cards make it easier to manage your debt and potentially save a bundle in interest. You could also find relief if your creditors agree to enroll you in…
Key takeaways Debt relief companies can carry serious risks, like long-term credit damage, especially if your creditors don’t agree to work with them. Alternatives to debt relief include working with a credit counselor, negotiating with your creditors, consolidating your debt and tapping into the equity you’ve built up in your…
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A nursing home cannot unilaterally take your assets or property, even if you are staying there. Nursing homes have the same rights and limitations as any other business. If you sign a contract and don’t…
