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  • Debt Consolidation Loans That Won’t Hurt Your Credit:  3 Keys

    Debt Consolidation Loans That Won’t Hurt Your Credit: 3 Keys

    Getting a debt consolidation loan can be daunting. It can be even more daunting trying to decide what to do in the aftermath of the loan, so that the loan positively affects your credit over the long term. Below we will discuss a few of the financial moves that you […]

  • Will Debt Collectors Settle for Less?

    Will Debt Collectors Settle for Less?

    The short answer is: maybe. There are too many factors that go into whether or not a debt collector will accept a settlement for a quick answer to suffice. Let’s look into a few of those factors. Age Of Debt The vast majority of creditors do not collect delinquent debts […]

  • Can Credit Counseling Stop Wage Garnishment?

    Can Credit Counseling Stop Wage Garnishment?

    If there is already a court order for a wage garnishment in place, then no, credit counseling cannot stop a wage garnishment. On the other hand, if you are only being faced with a wage garnishment, but no order is in place, credit counseling may convince a creditor to not […]

  • Does Debt Go Away in 7 Years?

    Does Debt Go Away in 7 Years?

    In order to fully answer the question, we must define the difference between a debt becoming time-barred and ”going away”. When a debt becomes time-barred, or collection actions become impossible, depends on the state that you live in. A national average is seven years, but some states allow up to […]