Earlier this week, in the post Money Makeover for the New Year – Part 1, I talked about the first four steps toward making positive changes to help you achieve financial fitness in the New Year:
Debt Relief Blog
Money Makeover for the New Year – Part 1
Welcome to 2012! It is a new year, and most people are thinking about a total body makeover. That’s right, it’s time to start that diet and get back to the gym. But I bet your finances could use a makeover too. Now is a great time to take a close look at your financial… Read more »
3 End of the Year Tricks to Save Money on Taxes
5 Last Minute Shopping Tips for a DEBT-FREE HOLIDAY
Only 10 shopping days left until Christmas! It’s not too late to make your list and check it twice. But if you are planning to credit cards to buy your gifts this year, you will pay a lot more than you bargained for.
How does bankruptcy affect my credit score?
NO!! Stop! Don’t do it. . . .you’ll regret it! After filing for bankruptcy, you will be wailing like the witch from Wizard of Oz, “No. . .I’m melting. . .aaaaa!”
Good debt vs Bad debt
It’s almost impossible to live debt-free; most of us can’t pay cash for our homes or our children’s college educations. But too many of us let debt get out of hand.
The Importance of Debt Validation
Debt relief programs are rapidly increasing in popularity. When creditors are breathing down your back, you need someone to help you take care of the problem. However, you want to make sure that you actually owe those debts before you pay them. This is when the process of Debt Validation becomes extremely important. Debt validation,… Read more »
How to Protect Your Credit Report During Bankruptcy
Bankruptcy should always be a last resort (see our Debt Relief Options for bankruptcy alternatives). However, if you have decided to file bankruptcy but have not done so yet, take your time and don’t rush the process – it is more important to ensure that all your bases are covered rather than make a mistake… Read more »
Are Hardship Programs Offered by Creditors a Good Idea?
Here you are again. You just deposited your pay check and it is time to pay the bills. As always, you are just barely getting by. You are juggling your bills, your due dates, and your grace periods each and every month. You have so many balls in the air, you can’t keep them straight. … Read more »
Black Friday or DEBT FRIDAY? How to enjoy it without going into debt
Picture it….. Black Friday 2011….. Not only have you paid off your credit card(s), you got an increase in your credit limit? Awesome! Uh-oh, there goes the evil laugh. Oh, no–there goes the hands slapping together and rolling around while you contemplate what kind of shopping you could really do. Yeah, you can just picture… Read more »
Debt and Marriage – Is it Mine, Yours, or Ours?
Remember Spy Kids 2: Island of Lost Dreams? There is a part that shows two inanimate skeletons fighting over a necklace. Juni, one of the main characters takes the necklace for his own, and the skeletons wake up to find it. When they finally get the necklace back, you see them fighting over it once… Read more »
How to Cope with Financial Stress with 3 Simple Tricks
There is nothing more stressful than being in debt. Every morning people in debt wake up and think about what they can do, and they go to sleep at night worrying about it as well. They aren’t alone. According to the Washington State Department of Financial Institutions, 40 percent of American families live beyond their… Read more »
5 Easy Steps to Living Debt Free
If you’re struggling with debt, you likely feel like the weight of the world is resting on your shoulders each and every day. Whether it is due to student loans, mortgages, credit cards or other financial struggles, the clutches of debt are enough to make anyone feel trapped and helpless. Luckily, no matter how bad… Read more »
Dirty Tricks of Debt Collection: How to avoid Debt Collector Tricks
All too often, individuals who are struggling with their debt fall victim to debt collector tricks and scams—all because they aren’t aware of the laws that exist to protect them. The Fair Debt Collection Practices Act (FDCPA) was enacted to protect people from the unfair, deceptive and abusive tactics that many companies were using in… Read more »
Debt Relief Options: Why Debt Settlement may be your best choice
Debt has the power to overwhelm your life. When the bills start mounting and the collectors start calling, you may feel powerless, disheartened and as though you’re in a sinking ship without a life boat. But we at Debt Relief NW, Inc. want you to know there is help out there so you’re not left… Read more »