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If you are struggling with debt and facing collections, it can feel overwhelming. Debt collectors can be aggressive and intimidating. However, you have rights and options when it comes to dealing with debt collectors. Negotiating payment plans and settlements can help you resolve your debt while avoiding further damage to...

Having bad marks like collections or charge-offs dragging down your credit score can feel totally demoralizing. I've been there before. One late payment that spirals out of control can cause your score to nosedive by 100 points or more almost overnight. It's enough to make you want to go hide...

Let's be honest - falling behind on bills and debt payments is stressful! It can happen so easily these days, whether due to job loss, medical issues, or simply overspending. And when those unpaid debts keep piling up month after month, it can feel totally overwhelming.  Before you know it,...

Falling behind on your bills can happen to any of us. An unexpected medical emergency, getting laid off from your job - life sometimes throws us a curveball that makes it impossible to stay current on debts owed.  When you go delinquent on a credit card, auto loan, or other...