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debt relief Archives

Is combining credit card debt a good idea?

Have you ever been forced to pay a late fee on a credit card not because you were unable to make the minimum payment, but because you simply forgot to pay it by the due date? If so, you are not alone. Many people struggle with paying their bills on time, and while this may happen because of a lack of funds, it, too, may result simply from having too many things going on in your head at a given time.

Is combining credit card debt a good idea?

Have you ever been forced to pay a late fee on a credit card not because you were unable to make the minimum payment, but because you simply forgot to pay it by the due date? If so, you are not alone. Many people struggle with paying their bills on time, and while this may happen because of a lack of funds, it, too, may result simply from having too many things going on in your head at a given time.

How to manage mounting medical debt

Many people in Florida are struggling to pay their medical bills. Health care costs are increasing faster than wages, and the unemployed have little to no income to spare. Millions of people resort to filing for bankruptcy just to get the collection calls and bills to stop. In an effort to save money, many people are putting themselves at risk of more health problems by forgoing their medical treatments and medications. If you find yourself losing sleep at night because of your financial situation, there are some steps you can take to lower your medical debt or eliminate it completely.

Medical debt is often a reason for bankruptcy

Many people find themselves forced to seek the protection of bankruptcy because of medical debt. Skyrocketing medical costs, slow-to-rise wages and an influx of other bills can make it challenging for some people to keep up with such expenses. Medical bills are not like other types of debt, such as credit cards, mortgages and student loans, which are predictable and planned-for expenses. Medical issues often occurs when least expected. In some cases, they are unavoidable. Illnesses and health emergencies often leave many people financially crippled.

5 illegal debt collection methods

As a responsible person, you always make an effort to pay your bills on time. However, if you have had an unexpected event in your life, you may have to pick and choose between bills you can pay right away and debts that have to be put off until later. If your debt has reached the past-due stage, then you are probably being contacted by debt collection agencies.

How can I reduce my car loan through a cramdown?

Many people in Florida find themselves so overburdened by debt that they file for bankruptcy to get things in order. This makes them better equipped to manage their debts. Among those may be a car loan that they are struggling to afford. Instead of giving up what may be their only form of transportation, they may be able to keep their vehicle by reducing their car loan through a cramdown. You should take some time to learn how this option can make your car payments more affordable in bankruptcy.

What does John Oliver's debt purchase have to do with you?

By now, you may have heard of John Oliver's grand gesture. Via HBO and his television show Last Week Tonight, Oliver formed a debt-buying company naming it Central Asset Recovery Professionals (CARP), and purchasing $15 million in medical debt through the business.

Take a few simple steps and lower your risk of identity theft

It can happen to anybody, anytime, anywhere and you never see it coming. Identity theft can be a nightmare to work through. You feel violated and scared, wondering just how much has been taken from you, afraid of what more could be stolen in the future, and honestly, how much it will cost you to recover both emotionally and financially.

5 tips for negotiating debt outside bankruptcy

When you're facing piling debts, bankruptcy might be the answer, but it might not. Bankruptcy is a powerful tool, when used at the right time. You might not be at that stage, but it does not mean you are without options. Did you know that creditors are often willing to negotiate?

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