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Learn How to Negotiate With Debt Collector...

What is Debt Consolidation and How Does it...

The Best Debt Consolidation Loans

Seven Ways to Get Out of Debt in 2022

Statute of Limitations on Medical Debt

A Regretful Debt Collector Tells Me His Story

Before I get into my interview with a former debt collector, I’d like to give you the back story as to how this all happened. A couple of weeks ago I received an email from a guy who said he was a debt collector for many years...

How To Rebuild Credit After Bankruptcy

Our cultural DNA demands we never give up on repaying our debt. So filing for bankruptcy — asking someone else for help with our debt — can feel like the end of a long road of personal finance failures. But there’s...

Sample Medical Collection Letter

If you or your insurance company has paid a medical bill but it still appears in your credit history, it’s time to write a medical collection letter to the credit bureaus to find out why. You can use my sample letter, below, a...

Short Sale Vs. Foreclosure

I received a reader question that opens an important topic – short sale vs. foreclosure. This was a big issue a decade ago during the Financial Meltdown when millions of people were losing their homes. It’s not as common today, but ...

How to Write a Bankruptcy Explanation Letter

More than three-quarters of a million people file for bankruptcy each year in the US. And since bankruptcy can stay on your credit report for up to 10 years, that means there are at least 7.5 million people showing one each time the...

How To Negotiate With Creditors To Remove Negative Reports

When you can negotiate with creditors you can bring hope back into your financial life. A debt settlement could pull you out of debt even if you can’t pay off every penny you owe. The best debt settlement agreement could fix y...

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