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Debt Relief Archives

Repairing credit score damage during debt relief efforts

Very often, Washington residents take an overly narrow focus in regard to managing their debt. Once the decision is made to seek debt relief, attention turns to the steps required to complete that process. While this is certainly a worthwhile endeavor, consumers may also want to consider addressing credit repair at the same time.

Prioritizing student loans in relation to credit card debt

Faced with serious debt issues, many Washington residents are uncertain how to proceed. They may be acutely aware that they need to embark on a path toward debt management, but knowing where to begin is another matter entirely. When considering various options, one of the most important things for people with student loans to consider is how to prioritize those debts in relation to credit card debt.

Know your rights when speaking with credit card debt collectors

Receiving calls from debt collection agencies is not something that anyone looks forward to. By the time debt collectors come calling, Washington residents are usually deeply mired in debt. As they struggle to regain control of their finances, dealing with aggressive or misleading debt collection agencies over credit card debt is just one more source of stress. When interacting with debt collectors, it is important to understand the consumer protections that are in place.

How debt relief could make finding love a little bit easier

Living with high levels of debt is difficult, and can impact many different areas of a person's life. For some people, excessive debt can even have a negative impact on their ability to find love and build a lasting relationship. Most Washington residents know that money management is one of the top causes of contention between partners. What many fail to recognize is that a lack of debt relief can mark someone as a "bad bet" when it comes to choosing a mate.

Tips to help young people achieve lasting debt relief

Struggling under a mountain of debt is a difficult way to live and is a major source of stress for many Washington Millennials. Young people often find that they have accumulated a large volume of debt through borrowing to fund an education, addressing medical emergencies or simply overspending and relying too heavily on credit. Once the situation becomes untenable, many will search for ways to find lasting debt relief. The following tips are offered in the hopes of building habits that will relieve financial pressure and promote stability.

How to maintain financial stability after personal bankruptcy

When a Washington family faces the need for bankruptcy relief, the immediate concern of everyone involved is to find a way to put an end to the unbearable mountain of debt. Very often, little thought is given to how life will look after personal bankruptcy, although many people worry about how their lives might change. In reality, there are many ways that life can improve once a personal bankruptcy is complete. Understanding how to alter one's spending and saving habits is one way to make the most out of this fresh start, and to find a lifetime of new horizons.

Consumers must be wary of the threat of debt relief scams

A college education can prepare an individual for a great many challenges, but few students are prepared for the heavy load of debt that they will face shortly after graduation. In some cases, they will struggle for years to learn to manage that debt, and some will experience stress and anxiety as they try to make their student loan payments every month. Faced with a serious need for debt relief, many Washington residents are at risk of falling victim to debt relief scams.

New economic statistics suggest need for debt relief

Washington residents may be aware of recently released statistics concerning the total level of household debt among American consumers. It is estimated that total household debt has reached a new high of $12.7 trillion. That level is higher than the total debt held in 2008 at the beginning of the collapse of the global financial system, and could mean that debt relief is a growing need for many households.

Helping seniors find swift, lasting relief from bill collectors

As many Washington residents move through their lives, they envision their retirement years as a chance to slow down and take the time to enjoy their family and their hobbies. After all, many people work hard for the bulk of their adulthood, setting aside their own interests to support their family and making sacrifices to move ahead in the workplace. Reaching retirement should be a welcome change of pace, and not a source of new types of stress. However, that is the reality for some older Americans who are plagued with high levels of debt, and in need of relief from bill collectors and other financial pressures.

The number one tip for avoiding debt after bankruptcy

Each and every year, thousands of Washington residents find relief from overwhelming levels of debt. For many, that path is through personal bankruptcy, which can lead to the discharge of many types of consumer debt, including credit card debt. In the years that follow bankruptcy, it is absolutely essential that individuals understand how they got into debt in the first place, so that they are able to avoid sinking back into financial turmoil. Acknowledging past choices and making changes to current behavior is key to achieving lasting financial stability.