In the modern day individuals can insure just about anything, especially gadgets. Fancy $200 cell phones are no exception to this. However, unlike house insurance, which is a must, experts do not suggest buying cell phone insurance. Continue reading
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Which is Worse: Bankruptcy or Foreclosure
In bad economic times, it is not unusual to become overburdened with debt. Many Americans struggle to pay their monthly payments, which quickly accumulate into large debts. Once these debts have gotten so extreme, some are forced to decide whether to file bankruptcy or lose their house to foreclosure. Each of these options comes with separate repercussions. Continue reading
Why Debt Settlement Companies Have a Bad Reputation
The debt settlement industry is one with a fairly bad reputation, quite understandably. The reputation is one where companies attempt to rip consumers off by charging their outrageous fees for nominal work. Many even believe that all companies want to do is get their personal information and then sell it to third party companies who will then spam them constantly. But is this reputation really deserved? Continue reading
How to dispute charges on your cell phone bill
Cell phones are increasingly an everyday—if not ever minute—part of our lives. Cell phone bills are often really complicated and the high costs and strange charges applied can often be very unexpected. Here are some tips to on how to dispute strange charges on your cell phone bill. Continue reading
The Means Test Dictates Filing Qualifications for Bankruptcy
Many people know bankruptcy is an option for those who are deep in debt, but they may not understand the process that it entails. Although those who are in debt may think that bankruptcy is always an option, in reality, there is a process for determining if an individual qualifies for bankruptcy: the means test. Continue reading
The History Behind Household Finance Corp
Of the many companies that do provide mortgages and other financial services to individuals, Household Finance Corp was one of the oldest and largest. The company was a descendant of Frank Mackey’s business started back in the 1870’s. By 1905 the company was one of the first to get into the field of consumer credit. His company was one of the first to create installment payment systems and by 1908 had expanded from the Chicago area to nationwide. Household Finance Corp was created in 1925 as a grouping of these offices. By the end of the 1920’s, Household Finance Corp ranked as one of the largest financial companies in the country. Continue reading
Weighing The Pros and Cons of Chapter 7 Bankruptcy
Pros:
- Unpaid balances that are left after assets are sold off to repay creditors are erased, meaning that individuals are free from the majority of their debt. This allows them to turn their life around much more easily and get their life back on track. Continue reading
Personal Finance Education Can Prevent Serious Money Mistakes
In times where the economy is constantly fluctuating and debts are at an all-time high, it is important for people to learn to manage their money. Some do not know where to turn to gain knowledge of how to spend wisely. Luckily, this day and age also comes with the Internet. Online sites allow you to take advantage of personal finance education to get you on your way to managing your money the right way. Continue reading
Medical Debt Consolidation Options Vary By Provider
For some, debt is not accrued because they were careless with their credit cards or other loans. For some, debt is accrued because they fell into bad health and accumulated medical bills that they are having trouble paying. When this is the case, medical debt consolidation could be the answer because it combined all of these separate payments into one individual monthly payment. Continue reading
Debt Relief Center Does More than Just Debt Settlement
Debt Relief Center is a company designed to assist people with their debt-related problems. The mission of the Debt Relief Center “is to connect people nationwide to debt relief specialists in their area.” For individuals in serious debt problems who are ready to get and stay debt free, turning to a company such as Debt Relief Center is always a possible solution to their problems. Continue reading
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