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Understanding Fixed Rate vs. Variable APR The interest rate on credit cards is considerably higher compared to other forms of debt. If you’ve taken a look at your cardholders agreement you’ve probably noticed that there’s multiple interest rates – so what do they mean? In … Read more
Five Questions to Ask Before Combining Finances Getting married is said to be the second most legally significant event in a person’s life; the first being death, and estate planning. For couples who are engaged or recently married, combining finances can be tricky. It essentially … Read more
What if you can’t afford to file bankruptcy? Believe it or not, it’s a question a lot of people ask when they’ve run out of options. Filing bankruptcy, can be an expensive process, especially if you don’t have any money left. Below are some example … Read more
Credit Score Overview Each country has their own credit rating system, but in the United States everyone’s credit histories are tracked and evaluated by the three major credit bureaus. Equifax Experian Transunion Your credit history covers such things as payment records, the number of credit … Read more
Since the first “Diners Club” credit card in 1950, the industry has adopted all types of cards for consumers. Each has their own benefit, but choosing the one that’s right for you isn’t always so simple. In this article we’ll review the nine most popular … Read more
What Do I Need To File Bankruptcy Lets face it, bankruptcy isn’t a good thing. It’s a serious legal action that has financial consequences that can last up to 10 years, possibly more. It’s a last-resort action for people who are seriously in debt and … Read more
Chapter 7 vs. 13 Bankruptcy If you’re drowning in a sea of financial debt and can’t be approved for a debt consolidation loan, bankruptcy may be the right solution, albeit a last-resort option. Millions of Americans are in the same situation whether it be from … Read more
How To Help a Family Member With Debt People get themselves into debt for all sorts of reasons: unexpected medical bills, college tuition, or expensive home maintenance costs. Owing a lot of money can lead to stressful times and it can be just as bad … Read more
Ways To Consolidate Credit Card Debt For those deep in credit card debt, a consolidation loan is the best DIY way to consolidate loans with high interest. And best of all they don’t require a third party. There might be a balance transfer fee or … Read more
Should you file for bankruptcy or for a debt consolidation loan? In this post we review the best alternatives to bankruptcy for your personal loans and credit card debt.