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How to Negotiate With Creditors

How to Negotiate With Creditors

If you are struggling to make your credit card payments or to pay off other debts, it may be time to start negotiating with creditors in order to avoid bankruptcy proceedings. You need to be prepared though, as they are used to peop...

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Credit Repair After Bankruptcy

Credit Repair After Bankruptcy

One of the most difficult things about bankruptcy is the time that comes right after the process itself is completed. As much as it can be a relief to be out of debt so that you can get on with the rest of your life, it is also the ...

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Short Sale Vs. Foreclosure

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 ...

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Statute of Limitation On Medical Bills

Statute of Limitation On Medical Bills

Question A majority of my credit reporting issues are, unfortunately, alot of medical bills I’ve been unable to pay over time. Not sure how these are seen in terms of the statute of limitations, but I recently received a lette...

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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...

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How to Remove Collections From Your Credit Report

How to Remove Collections From Your Credit Report

In my experience, it is possible to remove collections from your credit report. A collection entry on your credit report, including medical collections, can severely lower your credit score and in many cases prevent you from obtaini...

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