Here’s “what we should have learned in school” about credit. Without this information, you’ve probably wasted thousands of dollars, or worse. Now you’re about to learn exactly how your creditors have been taking advantage of you this whole time, and how to flip the tables to win the credit game. This unique info is unlike [...]
If you can’t write a check, you don’t have the resources like a 401k or equity in a home to pay off your debt, what can you do? Most people out there are just making minimum monthly payments, exactly what the banks want them to do. The average client I deal with these days has around [...]
Let’s start with your situation… The fact that you have high credit scores and have not fallen behind means you have something to lose (your perfect payment history) if you choose debt settlement. But, let’s first get clear about exactly how your credit will be affected, because along with the negative impact to your payment history, the [...]
What’s the difference between “credit rating” (credit score) and “credit worthiness?” How do these two different aspects of your credit affect you? How much money is your debt costing you right now? Many people are overly concerned with their credit score. Many don’t really know how credit works. Even fewer really understand “credit worthiness.” To most it’s a [...]
What is debt settlement? Debt settlement is the process of negotiating with your creditors to settle your debt for less than what you owe. One thing you need to realize is that this program works best for people that are soon approaching or already in a financial hardship of some kind. You don’t have to wait [...]
Traditionally, if you’re not able to make minimum payments, you’re in a hardship, or you just find yourself in too much debt, what you do is file bankruptcy. You file bankruptcy and you pay zero. The creditors get nothing and it’s the ultimate move, the ultimate trump card that you’ve got as a citizen. Unfortunately, about [...]
Instead of paying off your debt with a lump sum check, here’s another accelerated debt relief option which may be the next best thing. It’s promoted by David Bach, Dave Ramsey or Steve Smith; pretty much any financial guru out there. It’s called an “accelerated debt pay off plan”, and goes by many names: “margin roll [...]
The first option you have is to whip out a check and pay it off, but if you’re reading this now that’s probably not an option you can pursue. There are possibilities you may not have thought of. You may be able to borrow against a 401k. You may be able to pull money out [...]
Credit Repair Credit repair is the process of using the Fair Credit Reporting Act to dispute negative items and get them removed from your credit report, resulting in an increase to your score. I work with my clients to show them how they can do this on their own or hire a low-cost law firm to [...]
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