Wed, 12 Mar 2025 01:06:00 GMT

Debt consolidation rolls multiple debts into a single account with one monthly payment. Consolidating debt might help save money on monthly payments, interest or both. But it doesn’t eliminate debt.

Thu, 13 Mar 2025 04:25:00 GMT

Consolidation merges multiple bills into a single debt that is paid off monthly through a debt management plan or consolidation loan. Debt consolidation reduces the interest rate on your debt, lowers monthly payments and simplifies bill paying.

Fri, 14 Mar 2025 10:01:00 GMT

The best ways to pay off credit card debt include the snowball method, avalanche method and debt consolidation. Find out which one is right for you.

Thu, 13 Mar 2025 07:17:00 GMT

Learn the reason why you should negotiate your credit card debt, where to start and what to look for.

Thu, 13 Mar 2025 00:08:00 GMT

Along with debt relief services, the company also offers personal loans, credit cards, structured settlements and other financial services. Debt relief clients can receive assistance seven days ...

Wed, 12 Mar 2025 15:11:00 GMT

Keep in mind a debt relief company may not settle all your debts and its services can be costly: A 25% fee on $20,000 worth of enrolled debt, for example, means you'll be paying $5,000 on top of ...

Fri, 14 Mar 2025 03:13:00 GMT

Beyond our credentials and decades of service as a nonprofit financial counseling organization, our Member Agencies offer tools and guidance to help you realize your financial goals. A Debt Management Plan is one of the most effective tools available through nonprofit credit counselors, and is a safer, less costly way to pay down debt.

Fri, 14 Mar 2025 00:57:00 GMT

$17k average debt reduction* Our counselors are ready to help you with a personalized action plan and resources regardless of your income or financial status. Connect with an NFCC-certified credit counselor for a confidential consultation. Participate in a one-on-one review of your financial goals and budget.

Thu, 13 Mar 2025 01:26:00 GMT

Debt is real and it isn’t forever. The bills are piling up, but you have choices. Regain control of your finances and connect with a nonprofit, certified credit counselor. Or call 800-388-2227 for support. How it works.

Fri, 14 Mar 2025 01:11:00 GMT

The best debt relief companies can help negotiate settlements on your behalf and offer various tools such as credit counseling, debt consolidation and management plans.

Mon, 10 Mar 2025 03:10:00 GMT

It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

Mon, 10 Mar 2025 11:46:00 GMT

Is a debt collector calling? What can you do? What are your rights? The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Here are some answers to frequently asked questions about your rights.

Wed, 12 Mar 2025 21:37:00 GMT

Debt management is a process that helps individuals or businesses to manage their debt payments effectively. It involves working with a credit counseling agency to create a debt management plan (DMP) that consolidates all debts into one monthly payment, often with lower interest rates.

Wed, 12 Mar 2025 22:13:00 GMT

A debt management plan is a way to pay off high-interest unsecured debt – mostly credit cards – without having to take out a bank loan. Debt management plans reduce the interest rate on credit cards to around 8% and make monthly payments affordable, so consumers can pay off debt in 3-5 years.

Thu, 13 Mar 2025 15:10:00 GMT

Debt Settlement is a powerful debt relief tool that can provide a fresh financial start without declaring bankruptcy. It’s ideal for people in dire financial straits who owe several thousands of dollars.

Thu, 13 Mar 2025 05:01:00 GMT

Debt settlement, also known as debt negotiation, involves wiping out debt by paying a portion of it in one lump sum. This sum typically is much less than what you originally owed. For the...