Debt Solutions

Debt issues can arise unexpectedly and from numerous causes, such as job loss, illness, accident, divorce, natural disaster, and so on. The stresses can seem overwhelming. Our counselors can help you find solutions to keep you from sinking deeper and to get your feet back on solid ground.

You can learn about the many options for dealing with debt by calling 888-995-7856 for a free consultation. You can also complete our online Financial Review and a counselor will examine the information and contact you.

Debt Solution Options

There are usually multiple different solutions to any of the various difficulties that one may encounter. Knowing what the options are, the advantages and disadvantages of each, and learning how to implement those actions is paramount to success.

Our experienced counselors can help identify and advise about these options. Many variables go into the analysis required to determine the best choices available, including understanding the situation and root causes, knowing the short and long term goals, identifying the resources available, presenting the possible solutions, and developing a plan to implement the chosen course.

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Choosing A Credit Counselor

This article details considerations when choosing a credit counseling organization. It describes counseling, budgeting, debt repayment plans, explains the differences between secured and unsecured debt, and offers questions to ask credit counseling agencies if you consider using their services. 

This information was developed and published by the Federal Trade Commission (FTC).

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Knee Deep In Debt

If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. This article has a number of strategies and tips for getting back in the black. This information was developed and published by the Federal Trade Commission.

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Plan Your Spending

Five key strategies with dozens of suggestions for dealing with reduced income.

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Your Rights In Fair Debt Collection

You have certain rights and protections under the Fair Debt CollectionPractices Act. This information, developed and published by the FederalTradeCommission (FTC),  details considerations to be made when dealingwith collection efforts.

This article answers to commonly asked questions about your rightsunder the Fair Debt Collection Practices Act in a Q&A format.

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Reverse Mortages: Cashing In On Equity

Get the facts before cashing in on your home's equity. This may be a good debt solution for older homeowners. This article explains how reverse mortgages (RMs) work and how they can help older homeowners who are “house-rich but cash-poor” remain in their homes and still meet their financial obligations.

This information was developed and published by the Federal Trade Commission.

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Self-Directed Debt Management

Step-by-step directions and other considerations for creating and managing your own Debt Management Plan.

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Out Of Work, but Working with Creditors

It's become an all-too-familiar headline and lead story - job cuts, dot.com failures, corporate restructuring and lay-offs.

If you've recently lost your job, your first thoughts may be, "how will I make ends meet." Money matters are a source of stress and frustration for many people. The Federal Trade Commission (FTC) publishes free brochures spelling out your rights when it comes to fair debt collection and credit reporting practices.

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Debt Settlement Considerations

Debt settlement or debt negotiation is a debt solution that has been promoted recently. While it falls between a debt managment plan and bankruptcy in terms of seriousness, debt settlement requires very careful consideration of the consequences before undertaking it. This article has critical information for anyone considering settlement: detailed explanation of the process and consequences as well as other options to consider.

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Home Equity Credit Lines

One solution to overburdensome debt payments is debt consolidation. Using a credit line to borrow against the equity in your home has become a popular source of credit for accomplishing this. Many lenders are offering these home equity credit lines in a variety of ways.

This article presents issues for your consideration before taking this big step.

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66 Ways to Save Money

There are many ways to save money across all categories of expenses. Here are 66 ways involving common expenses such as transportation, insurance, banking, housing, utilities, food and drugs.

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