Credit Card Debt: A Common Road to Bankruptcy

With the economy in turmoil, many people still deal with consequences of credit card debt. This phenomenon began with the introduction of credit cards in the 1950s. Our parents and grandparents lived by the axiom, “If I can’t afford to buy it outright, I don’t need it.” The availability of credit cards changed our purchasing … Read more

Discussing Problems of Divorce and Credit with a Third Party

Two of the most controversial partners in existence are divorce and credit. Unfortunately, they often work hand and hand. As a result, credit problems may go unresolved without the assistance of a third party. Resistance to financial obligations frequently occurs during divorce.This leads to future credit problems. The couple can minimize the problems if they … Read more

Free Help Fixing Your Credit Score

Credit Yogi offers free help fixing your credit score. We provide a free 800 number available 24/7, free credit repair templates for Section 604 and 609, and consultations with experts. We have helped thousands of consumers since 1999, and our experts are available in more than 30,000 zip codes. You will also find an abundance … Read more

Will Credit Bureaus Remove Negatives?

You may ask whether credit bureaus remove negatives from your credit report. Fact: credit bureaus will never remove accurate information from your credit report. You might try a strategy to persuade the reporting creditor to remove the information. The two most common are a goodwill letter or a “pay for delete” request. The Purpose of … Read more

The Best Ways to Deal with Automobile Debt and Avoid Repossession

Most people buying a car are initially able to make the payments. However, problems can occur later. An unforeseen reduction in disposable income may put them behind on payments and leave them seeking consumer automobile debt help. Effects of a Reduction in Disposable Income Even when the economy appears strong, individual circumstances can change for … Read more

What Can I Do to Avoid Going Out of Business?

Businesses often turn to bankruptcy protection to avoid going out of business. When a company files under chapter 11 to reorganize, it continues to conduct business. After bankruptcy it emerges on a more viable footing. Chapter 7 requires the company to liquidate assets to pay creditors. Through the bankruptcy process, the business eliminates debt and … Read more

Recover Your Credit After Bankruptcy

Are you ready to recover your credit after bankruptcy? Your non priority debts are discharged—with a clean slate, it’s time to begin reestablishing your credit. Before you do anything else, educate yourself in personal finance. Learn how to read and understand your credit report. Begin to establish new spending, bill paying, and saving habits. As … Read more

How Do I Read and Understand My Credit Report

All credit reports are broken down into several sections. These include personal information, employer history, personal statement, account information, public records, and credit inquiries. Consumers should educate themselves to be able to understand the information found in their credit report before attempting to obtain one. Before applying for credit of any kind, it helps to … Read more

20 Ways to Stop Myself from Returning to Old Patterns of Paying Bills

Once you have improved your financial situation, you need to maintain your new way of paying your bills. Here are 20 ways to help you keep your finances healthy. 1. Education: The Key to Maintaining Financial Success You’ve got a handle on your debt. You’re working to raise your credit score. You’re setting goals for … Read more

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