Credit Repair Basics

To simplify things, it is simplest to divide credit consolidation companies into 2 classifications: Those who consolidate financial obligation with a loan based...

People are becoming more aware of the "cost of waiting." In a high-rate environment, delaying debt resolution by even six months can add...

In New York, Temporary Help provides assistance for grownups and kids who are unable to work or whose jobs do not pay enough...

Every financial decision made in 2026 must account for the reality that high rates are a semi-permanent feature of the current economy.The role...

Without a change in spending habits, consolidation often leads to "double-dipping," where a consumer pays off their cards...

The hope is to prevent the "revolving door" of debt where individuals clear their cards only to charge them up again within a...

If a creditor forgives $10,000, the consumer may receive a 1099-C form and owe taxes on...

Analysts note that these changes have forced many lower-quality providers out of the market, leaving behind a more professionalized...

You can try to make these negotiations yourself, or work with a debt settlement company that negotiates on your behalf.apfsc.orgThis...

This "disposable income" figure is the most important number in any negotiation, as it dictates what can realistically be offered to...