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Debt: Tool For Wealth Creation or Incurable Disease? by Brad Kemper
We live in a world of debt. Everywhere you look, there is debt. Our entire economy is based on debt. Buy a house… go into debt. Buy a new car… go into debt. Debt is a part of life. It is as common as toast in the morning…maybe more so.So what’s wron... more
Is There An Alternative to Bankruptcy and Debt? by Michael Curry
The UK consumer debt problem is rocketing out of control. Total consumer debt has passed the Ł1 trillion mark and now stands at Ł1.13 trillion. Whilst average household debt across the UK is of Ł4,092 and is set to rise.Meanwhile the number of bankruptcie... more
Avoid Bankruptcy With Debt Management Programs by John Tran
Bankruptcy has a tendency to sneak up on you before you even know it. The situation may go something like this. You get a few new credit cards with high limits, and start buying whatever you want, not what you need. It's good as long as you are spending.W... more
Debt-Are You Bankrupt But Don't Know It? by J Shipper
Many consumers are overwhelmed by accumulated debts. In most cases, the problem creeps up gradually, until the total debt load reaches unmanageable proportions. Sometimes even minor problems such as temporary illness can tip the balance for the heavily in... more
Clear-A-Debt: 12 Myths about Bankruptcy by Jean-Francois Fritsch
Like most big, bad scary things, bankruptcy has a reputation based on a few tidbits of truth and lots of embellishment. And like most creepy crawlies, it's not nearly as frightening once you know the truth.With a mind toward declawing the monster, here... more
Clear-a-debt: What Happens In A Personal Bankruptcy? by Jean-Francois Fritsch
Consumer Credit Counselling is often a first step, but once you realize you can't keep up with the payments, you should take action quickly. Ignoring the problem will only make it worse as creditors pile on late fees and take legal action to take your pro... more
How To Avoid Bankruptcy - Helpful Tips To Consider For Debt Relief by Dean Shainin
Without a doubt, the best way to save you from a self-ruining situation such as bankruptcy is by actually not putting your finances in such a state.Bankruptcy is a humiliating experience. It is also a very primitive and grossly unfair means of dealing wit... more
Bankruptcy Or Debt Settlement by Christian N
Bankruptcy or debt settlements often seem like the only options when financial pressures begin to build. The problem with choosing bankruptcy or debt settlements is that the decision has consequences that will effect the next seven to ten years of your li... more
Overwhelming Debt? Bankruptcy May Be Your Way Out, But Maybe Not by Steve Faber
1f81 Things are bad, really bad. They have to be for you to be considering bankruptcy. It’s true that bankruptcy can wipe away your debts, or most of them anyway. Taxes are exempt from bankruptcy protection. You can declare bankruptcy, but if a substanti... more
Debt Settlement Vs Bankruptcy by Alan Barnes
With today's economic difficulties, consumer debt is at an all-time high. As American's continue to struggle with debt, record numbers of consumers—nearly 1.6 million in 2003—are filing for bankruptcy. Whether you’re financial situation is the result of a... more
Bankruptcy as a Debt Management Solution: Why Do so Many of Us Have so Much Debt? by Kavar Peter
In 2004, 1,562,174 Americans sought protection from creditors through bankruptcy court – a per capita rate over ten times higher than during the worst years of the Great Depression! According to the Consumer Federation of America, in 2003 alone over 9 mil... more
Bankruptcy and Debt - New Law May Hurt Katrina Victims by Charles Essmeier
The world remains horrified at the tremendous destruction caused throughout the Gulf Coast recently by Hurricane Katrina. An unknown number of people are dead and thousands more are homeless, jobless and completely destitute. It may be months before the... more
Credit Card Debt: Repair After Bankruptcy by James Duggan
Ah, credit card debt. You've asked yourself the question many times, "Will I ever get credit again?" The answer, although seemingly complex, is quite simple: Yes. You can have another chance at re-establishing your credit. Filing bankruptcy is the f... more
The Last Debt Solution Should Be Bankruptcy by Terje Ellingsen
A debt solution like bankruptcy should really only be used as a last possible solution. The problem with this solution of debt problems is that it includes a lot more than simply eliminating debt. When someone declares them self bankrupted, all debt colle... more
The New Bankruptcy Law -- How Will It Affect Debt Negotiation? by Charles Phelan
In April 2005, Congress made sweeping changes in U.S. bankruptcy law that went into effect on October 17, 2005. It's called the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," and it means big trouble for Americans struggling with debt ... more
Manage your Spending with Credit Card Debt Management by Ann Gibson
People never prefer to carry around lot of cash with them while they go for shopping or for buying day to day utilities. With the invention of the term “plastic money”, credit cards become the latest currency in the pockets of the people. This money allow... more
Wipe Out Your Debts With Credit Card Debt Risk Management by Aldrich Chappel
Credit card has become a basic necessity in the modern world. Life without credit cards is unimaginable. With a gamut of lucrative offers one tends to get tempted to procure a credit card for himself. But a turning point comes when credit cards are regard... more
Permanently Taking Control of Bad Debt is Like Eating Green Salads by Dan Ostler
Credit cards are a silent killer. They are shiny and classy. They make you feel rich, and they carefully and seductively lead you into financial captivity.Only 5% of Americans are “financially free”, and as if you didn’t know, financial captivity is the a... more
Teen Credit Cards; Good or Bad Debt Training by Mike Parker
Are teen credit cards a good or bad idea? You will have to decide for yourself. They can either teach your child responsible spending habits or they can teach them that having a plastic card means getting what they want when they want it. A"teen credit ca... more
Credit Card Debt - Could You Cope With A Rise In Interest Rates? by Stuart Laing
Millions of people all over the world are strugling with credit card debt. And that figure is constantly rising, along with the risk of further interest rate rises. You might be managing to keep your debts at bay as things currently stand, but could yo... more
Credit Card Debt Relief Guide by Mansi Aggarwal
Now large sum of money, making timely and untimely payments anytime and anywhere, purchasing items online, making hotel reservations, borrowing money from organizations etc. is not a matter of much concern. With the advent of plastic money or credit card,... more
Credit Card Debt Consolidation Guide by Mansi Aggarwal
Not just a hassle free mode to carry large amount of money but an easy way to make payments, take credit from banks and other organizations, credit card is a great financial tool.Though the card comes with many advantages yet its benefits and defects are ... more
New Information Reveals Total Debt to Interest Rate Relationship by Daniel Brewer
Many people aren't aware that the total amount of outstanding credit card debt that a person carries can adversely affect the interest rate on other credit cards.Sounds like a Catch-22 situation, doesn't it? Higher debt + higher interest rate = higher mon... more
Bad Credit! No Problem With Bad Debt Homeowner Loans by Tim Kelly
People with bad debt include people who have the history of bad credit. What bad credit means is that the borrower fails to meet the terms of the loans, which were initially agreed upon by the borrower and the creditor. This subsequently results in gettin... more
The Menace Of Credit Card Debt by Jakob Jelling
Credit card debt can often be crippling and lead to a lot of stress. Even students are not immune as people are getting credit cards at an earlier age and falling into debt. With the increased use of credit cards, more and more people are falling into deb... more
Debt Consolidation - Choose a Credit Counselor Carefully by Charles Essmeier
Recently passed by Congress, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 will require people who are filing for bankruptcy to first undergo mandatory credit counseling.This is probably not a bad idea; after all, many people with pr... more
Credit Card Debt – Prevention Is Better Than Cure by Joseph Kenny
If you have credit cards, but have not yet let your spending get out of hand, then now is the time to take stock of your position and make some decisions about your financial future. Ask yourself what do you want those credit cards for? Do you just want t... more
Credit Card Debt – Some Remedies by Joseph Kenny
If you have credit card debt, then don’t just bury your head in the sand and hope it all takes care of itself. If you do this, the problem will only get worse. While it can be difficult to face your debts, the earlier that you do so, that you accept them ... more
Credit Card Debt Management by Josh Riverside
Consumers in the United States alone have accumulated over two trillion dollars in unsecured debt – mostly credit card debt. And, while some people manage to off debt wisely, there are millions of Americans who cannot cope. If you are one of them, then it... more
Credit Card Debt Consolidation by Bradley Carson
It's so easy to have those credit card balances sneak up on you, leaving you with a number of credit card and charge card balances high enough that you're only able to meet the monthly payments. On top of that, the interest rate is eating up the majority ... more
Credit Card Debt – First Steps To Resolution by Joseph Kenny
If you have let your credit card debt get out of hand, then do not panic. You are among a fast growing group of people who are falling victim to the UK’s ever increasing credit card debt mountain. As a nation, we are adding to our credit card debt at a tr... more
Credit and Debt Counseling Companies by Darell Mckissick
It's almost as if you can't turn on the TV anymore without seeing at least on commercial for credit and debt counseling.They promise to help you get your bills reduced and a payment schedule setup to make your life easier.Now just who are these non-profit... more
Rebuilding Credit and Avoiding Bad Debt after Bankruptcy by Carrie Reeder
After you’ve filed bankruptcy, you’ll want to start building new credit. This time, you’ll want to make sure that the credit you build is good; if anything is worse than a bankruptcy, it’s a bankruptcy followed by bad credit. There are ways to rebuild cre... more
Credit Cards and Debt by Jon Francis
Lately it seems you can't pick up the paper without reading another bit about how the UK is becoming a nation up to its elbows in credit card debt. The statistics as quoted do indeed look bleak: according to figures provided by the Economic and Social Res... more
What is Debt Validation? by Darell Mckissick
If you have been surfing around looking for credit repair information, you undoubtedly have run across the term debt validation.Debt validation is nothing more than making a collection agency prove they have a valid debt and the right to collect it.Forcin... more
Credit Cards and Minimum Payments - Living in Debt by Joseph Kenny
Many people love their credit cards. It’s a fact of life and the figures bare this up. If you look at the rate at which UK credit card debt is rising it is quite amazing. Millions are being spent all day every day in an endless frenzy of spending. Pretty ... more
Dealing With Credit Card Debt by Joseph Kenny
Left unchecked, one of the worst feelings in the world is opening a credit card statement that you know you have no chance of making the minimum repayment, let alone paying off the entire balance. Times such as these are stressful and if ongoing can cause... more
Credit Cards for Bad Debt by Phil Edwards
Many individuals have had trouble making a payment to a creditor from time to time. If you have had a prolonged history of making late payments, or skipping payments altogether, you may have developed what is known as a bad credit history, and perhaps yo... more
Credit and Debt Counselling in the UK by Roy Thomsitt
Consumer debt in the UK is a major problem, both at a social and individual level. There is not that we can do about the social problem, but individuals can take action to prevent and overcome their own debt problems. While UK citizens may be unfortunate ... more
Credit Card Debt: Are You Paying The Minimum? by Adam Stevens
So, you’ve got a credit card? Its outstanding balance is Ł1,000, and each month, although you intend to pay more, you end up simply paying the minimum payment (which is usually between 2% and 3% of the balance, depending on the credit card company).So ho... more
Pay Down Debt To Improve Your FICO Credit Score by Steve Johnson
You can get started fixing your FICO credit score by reaching into your wallet or purse and pulling out the plastic.Yes, it's time to get serious about debt....Your goal is to reduce your outstanding balances on all your credit cards. It's been reported t... more
Credit Card Debt - the Light at the End of the Tunnel by Gary Tomlinson
One of the most common situations that the average person of today finds themselves in is credit card debt.This means that the horrible feeling when you open the mail, the anxious thoughts when the phone rings, the general anxiety whenever your thoughts t... more
Consolidating Debt? Find the Best Balance Transfer Card by Zack Nelson
Credit cards with their schemes of deferred payment provide people with cash they did not necessarily have in their bank accounts. In a flash, we bought that sweet little dress in the shop window or the hard-to resist computer gizmo. Unfortunately, that ... more
Debt vs Credit Cards by Jeff Lakie
When you are considering getting a credit card you should be fully aware of all the consequences that could come with the responsibility of having and using one. Some people prefer to make use of a debit card instead of a credit card to keep them out of f... more
Use Low Interest Credit Cards to Get Out of Debt by Robert Alan
Low interest credit cards can provide you with the answers you are looking for when it comes to getting free of debt. If you are like millions of Americans, you are probably having difficulty keeping up with the minimum payments on your credit card. In ... more
Debt & Anger - Finance's Familiar Bedfellows by Riggs Owen
With millions of American facing the mounting pressures of personal debt, I thought it would be a good idea to explore the emotion of ANGER. I am not talking about a isolated outburst, but more about how this emotion becomes a predominant behavior attrib... more
Balance Transfer Credit Card - Debt Consolidation by Robert Alan
Balance transfer credit cards can provide an excellent option for debt consolidation. Many Americans are currently in debt and struggling for a way out. Some choose to use a home equity loan to help get themselves out of debt, but not everyone has a hom... more
Best Balance Transfer Credit Cards - Helping to Eliminate Debt by Robert Alan
If you are seriously looking to eliminate debt, then you need to consider applying for a balance transfer credit card. With the help of balance transfer cards, you can get yourself back on track and back in control of your finances.The Cold, Hard FactsAs... more
Warning: Your Cellphone Number will Soon Be Given to Telemarketers and Debt Collectors by Robert Paisola
Does this sound familiar? Many of our readers have commented that they have received an e-mail telling you that your cell phone is about to be assaulted by telemarketing calls as a result of a new cell phone number database, rest assured that this is no... more
Credit Card Debt Statistics by Joseph Kenny
In the United States, the debt levels of Americans have continued to increase since the 1980s. It was during this time that the use of credit cards greatly increased. Credit cards companies begin looking for different ways to market their products to cons... more
Credit Card Debt: Coping Tips by Jeanette Joy Fisher
As interest rates rise and the economy slows down, many people find themselves in over their head, especially when it comes to their credit cards. Here are a few tips for coping with your credit card debt.First, cut up your credit cards and don't use them... more
Wipe Out Debt with Balance Transfer Credit Cards by Bert Wills
If you find yourself metamorphosing into a plastic junkie, then you may use balance transfer credit cards to consolidate your payments. However, the best balance transfer credit cards offer some incredible deals and if you use them judiciously, who knows,... more
Consolidate your Credit Card Debt through A Debt Consolidation Loan by Morgan Hamilton
Just like many other individuals, you also find using your credit cards to be extremely convenient. You don’t need to have that cold cash in order to pay your utility bills or do a purchase of a home entertainment system in a local appliance store. You fi... more
Personal Savings Rate and Credit Card Debt in the United States by Daniel Cohen
Have you ever imagined how much of your money is literally going waste as interest payments on credit cards? The average family in the United States is knee-deep in debt with a liability of around $7500 as credit card payments. About $1000 is paid as inte... more
The Debt Danger Of Credit Cards by Stuart Laing
If you want to get out of debt and stay out of debt, credit cards are extremely dangerous. It's all too easy to say yes to everything that you like the look of in the shops, and end up sticking it on your card.Why? Because it doesn’t feel like spending mo... more
Debt Good and Bad - Explaining How Some Debt can be Good by Stephanie Mundle
How can debt be good? We’re told to avoid it at all costs. That debt is bad. And believe me, I know that too much bad debt can restrict your choices and options. But on to good debt, what does that mean? It is often related to borrowing for investing.... more
Why You Should Pay Your Credit Card Debt Immediately by Beth Derkowitz
With everyone spending more than they save, it’s no wonder that credit card debt is at an all time high. But just because everyone else is in trouble doesn’t make it a non-issue. Credit card debt not only ruins your credit score, but it can also hurt yo... more
How to Escape High Credit Card Debt by Joshua Shapiro
Debt can almost seem like an addiction. It’s as if once you start, you can’t stop using your credit cards to buy everything from a new couch for your living room to the weekly groceries and the night out on the town. The debt crisis gets to be so bad beca... more
Credit Card Debt in the United States by Beth Derkowitz
It’s no secret that credit card debt in the United States is at an all-time high. The U.S. is a culture of spending rather than saving and with the increasing cost of living and the low minimum wage; it seems that no one is invulnerable to credit card de... more
Credit Card Debt and College Students by Daniel Johnson
Credit card companies make use of massive marketing campaigns of which you, as a college student, are constantly a target of. Students are inundated with credit card offers through the mail, internet, and even on campus that often lure them with free t-s... more
Seven Ways to Get Out of Credit Card Debt by John Edmond
This may come as a surprise but if you only ever pay the minimum repayment on your credit card it will take you over 20 years to get out of credit card debt.Borrowing long term on a credit card not a sensible way of managing money but millions of card hol... more
Home Equity Loan to Pay Credit Card Debt, Bad Idea! by Pat Hicks
I couldn’t help but notice there have been a few articles circulating around espousing the merits of taking a home equity loan out to pay off your high interest credit card debt or other types of unsecured debt. Did you look to see that they are written b... more
The Easiest Way to Eliminate Your Credit Card Debt by Peter Sissons
Credit cards can offer customers the option of a quick solution to financial worries. However, many people who begin using credit cards often find it to be almost addictive. For many people who begin using credit as a means of payment for expenses, cred... more
Finding Help to Get Out of Debt by Peter Sissons
For many credit card holders, credit card debt can put a damper on what would have been a quick fix to financial woes. High credit card interest rates can lead to substantial credit card debt for millions of individuals and families around the world. It... more
Climbing out of the Bottomless Pit Called Credit Card Debt by Peter Sissons
Credit cards are actually a loan in disguise. They are not free money. If this golden rule is understood it would prove to be the first step towards avoiding the never-ending credit card debt. Taking a credit means taking a loan from someone who has extra... more
Credit Cards: You Can Stay in Debt Forever! by Abe Shanon
Credit card companies are notorious for keeping people in debt. You may not realize it but chances are like most Americans if you just pay your minimum payments, it will take anywhere between 10-25 years to get out from under your debt. Recently new ban... more
Credit Card Debt Reduction - 3 Tips to Quickly Reduce Debts and Improve Credit Rating by Carrie Reeder
There are many rewards to reducing credit card debt. To begin with, eliminating needless debts will save you money, lessen stress, and boost your credit rating. Obviously, achieving a life free of debt is easier said than done. Nonetheless, there ar... more
Prepaid Credit Cards to Recover From Bad Debt by Javier Polanco
How does a prepaid credit card work?A prepaid credit card works just like a standard credit card in making every day purchases. You can make a utility payment or online service payment, complete online or auction purchases, rent a car, reserve a hotel roo... more
Are You Worried About Credit Card Debt by Peter Kenny
Properly every one of us has some sort of credit card debt, but when do we know that it’s spiralling out of control? Well one way is if you’re pay more than 15% of your monthly salary to your credit card bills then start to worry, but a worse way of deali... more
Debt? You're in [Good] Company by Katie Spencer
It’s fair to say that most of us are faced with the temptation to shred that pile of bills on our desks into confetti for our New Year party. I for one want to personally thank Visa, Master Card, Discover, along with a huge list of other store specifi... more
Avoiding Credit Card Debt by Peter Kenny
There are certain things in life that you will wish to avoid if you want to have a secure financial present and future for yourself and your family. Credit card debt is certainly one of those things that you should be avoiding. People do not always realis... more
The Business of Debt Cards and the People Who Issue Them by Pat Hicks
"The Negotiate Your Way to Financial Freedom From Credit Card Debt Ebook"Chapter ThreeWhere large sums of money are concerned, it is advisable to trust nobody. Agatha Christie (1890-1976)You notice I called credit cards by their real name in the title o... more
Buying a Home With Bad Credit - Part 1- From The Series-"Life After Debt" by Ronald F Black
…In the beginning“The Sun Also Rises…” a famous quote, but for the majority of Americans who bear the pain of Bad Credit, it is nearly impossible to imagine that the “American Dream” of home ownership is actually possible for them. I know that pain well... more
Buying a Home With Bad Credit - Part 2- Secret Passwords - From The Series "Life After Debt" by Ronald F Black
The Secret Passwords“Members Only.” No, I’m not referring to an outdated designer label, or an exclusive golf and country club. I’m not even talking about those fraternal organizations with their “unique” hats and super secret handshakes and passwords. W... more
Student Credit Card Debt: A Survival Guide for Students by Amy Cooper-Arnold
College is the last care free step before real life begins, or at least it should be. Students should be able to go to sleep each night with the only pressing responsibility being the English exam tomorrow morning. They should still get to live in a world... more
Consumer Credit Counseling - Keep Debt Under Check by Paras Shah
Before Jim left for a study-abroad program in Australia last spring, he signed up for another credit card. One more wouldn't hurt, thought Jim, then a sophomore at Iowa State University. "I didn't plan on using the card," says Jim. "But Australia was a bl... more
Credit Card Debt And The Interest Only Loan by John Williams
Here is an example of the system gone wrong: a mortgage loan that encourages paying off one debt, in order to over extend yourself with another debt. This is what happens with the interest only loan and credit card debt. As a borrowing nation, I believe... more
Credit Cards and Debt: Will You Be Slammed By A New Minimum Payment? by Douglas Hanna
The Federal Government has been pressuring credit card companies such as MBNA, CitiBank and Bank of America to double the minimum payment they will accept from cardholders each month.This means that if your minimum monthly payment was calculated last year... more
About Debt Collection Agencies by Tristan Andrews
Debt collection agencies act on behalf of creditors to collect debts when the creditors don't have the time or resources to chase down severely overdue debts for themselves. Collection agencies specialize in this kind of work which means they have staff t... more
Free Credit Cards and Balance Transfers Allow You to Manage Your Debt Wisely by Chris Robertson
If you're being squeezed by the high interest rates and fees charged by your credit companies, it might be time to rethink your financial strategy. In today's marketplace, credit card companies compete for your business. You can take advantage of free cre... more
Simple Steps to Get Out of Credit Card Debt by Karyn Kudrna
With the number of credit card offers that the average American home receives every year, and the fact that the average American is about $8000 in credit card debt, it is not difficult to see how quickly consumers can get deep into debt with credit cards.... more
Credit Card Debt: How to Become Credit Smart by Jeanette Joy Fisher
Being able to buy things on credit has allowed Americans to own and enjoy things--often for years--without having to wait and pay cash for them. In that way, the concept of credit has been a boon to experiencing the American Dream. Unfortunately, there is... more
Low APR Credit Cards for Freedom from Debt by Attila Jancsina
Do you find yourself like so many others just barely making your minimum payments on your credit cards? Around seventy percent of Americans rotate a balance on one credit card and forty five percent only make minimum payments on any of their accounts each... more
Credit Card Debt Eliminators, Are They For Real? by Christopher Luck
If you have excessive credit card debt, then you have probably not only seen the ads but been tempted to look into them. These are the ads that say you can terminate and wipe out your credit card debt legally. Before you buy into these companies, there is... more
A Problem Called 'Credit Card Debt' by Matt Ellsworth
Credit cards are no more a luxury, they are almost a necessity. So, you would imagine a lot of people going for credit cards. In fact, a lot of people posses more than one credit cards. So, the credit card industry is growing by leaps and bounds. However,... more
Wake Up From Your Credit Card Debt Nightmare by Peter Kenny
Are your credit card debts giving you nightmares? If yes read on and see if we can save you some money and help you sleep better at night. It is so easy to get yourself into debt, as all these credit card companies seem to be throwing these cards at us.Le... more
9 Steps To Tackle Credit Card Debt Problem by Matt Ellsworth
Looking for a solution to your Credit card debt problem?First of all, you can take comfort in the fact that you are not the only one fighting the credit card debt problem. There are hordes of people who might have an even worse credit card debt problem co... more
What Do The Teen Credit Card Debt Statistics Tell? by Matt Ellsworth
Well, you don’t really need to look into the teen credit card debt statistics to tell what’s going on. The teen credit card debt statistics would probably look very similar to any other. I think I read somewhere about teen credit card debt statistics and ... more
Bad Credit Debt by Joseph Kenny
In today’s world, there are a lot of things that its very difficult to live without. One of them, is credit. Can you imagine trying to save up for a car until you had enough cash to just pay for it outright? Do you think you would be able to pay for colle... more
Credit Card Minimum Payments Create Debt by Peter Kenny
A credit card minimum payment means that you can spend more and pay as little back as the credit card issuer will allow you. Sounds great in theory but it is a system that will turn out to be your worse nightmare. If you stick to it before long you will f... more
Joint Debt - Loan and Credit Card Bills by Toni Phelps
Julie, a 20 year old full time college student, married Bert, a 24 year old medical clerk. On the day she signed their marriage license, her credit report score began to worsen. Julie knew Bert had been previously married, and though that marriage had ... more
Online Gambling Causing Credit Card Debt by Joseph Kenny
It is the latest craze at the moment and everyone seems to be enjoying gambling at home with the increase of poker sites on the internet, but its not good news if you are running up debts on your credit card. I don’t know about you but it seems that I hav... more
0% APR Credit Cards: A Tool To Eliminate Debt by Ed Vegliante
It is interesting to note that what started off as a marketing gimmick has now become an almost permanent part of the credit card industry in America and today 0% APR credit cards can in fact play a significant role in helping a person reduce or get out o... more
College Credit Card Debt - Avoid The Pitfalls by Delia Galley
Spending money – it feels good. If you are honest with yourself, you will agree with me. There is something about walking into a store and buying what your heart desires. I am not talking about high-end fashion items such as Chanel or Gucci. Even goin... more
Tips for Credit Card Debt Management by Jay Moncliff
Debt management is a course every American needs to take simply because so many Americans are clueless when it comes to credit and debt management. This is unfortunate because many people do permanent damage to their credit record by not knowing how impor... more
Your Debt To Income Ratio by Sharon Chennault
To stay out of debt, you must spend less money than you earn. Implementing this financial plan is often more difficult than it would seem. Your debt to income ratio is an important part of your overall credit history. If you spend more money than you... more
Nurse Your Credit Rating with Debt Counseling by Dakota Caudilla
The most important first step you should take is to admit that you have a financial problem. As soon as you do that, you have taken a very big leap towards positive debt counseling and will soon recover from your debt problems. As they always say, the big... more
Addressing Bad Credit Card Debt by Andrew Boyd
Spending HabitsSo you've just got your credit card. The first thing you need to be wary about is that a credit card is very easy to use - afterall you can shop in stores, via catalogs and online with your credit card. As it is so easy to buy things with i... more
Credit Verus Debt by Laurie Palmberg
Secured and unsecured debt - what's the difference?It’s easy to just think that debt is just debt, but in reality, there are different types of loans, and it’s important to know what which type you have.You will need to understand the differences in o... more
How To Get Out Of Credit Card Debt by Jamie Madison
If you’re like the average person, let me warn you ahead of time about what I’m going to reveal in the next few paragraphs. You may be angry after you finish reading this article about how you’ve been misled in the use of credit card debt.The American eco... more

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