What Is Bankruptcy
If you’re struggling financially, bankruptcy may seem like an opportunity to pay down a portion of your debts over time or have some of them eliminated…
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Debt Management
Collections, charge-offs, settlements, consolidation, and getting out from under debt for good.
30 articles
What is the difference with Debt Settlement and Debt Consolidation
What is the difference with Debt Settlement and Debt Consolidation Although many individuals think that debt settlement and debt consolidation are one…
Money Doesn’t Grow On Trees
Money does not grow on trees, a common question is if you should pay off your credit card debt with your Christmas bonus, or just make an extra payment…
How does debit settle work
How does debit settle work? Have you ever asked yourself what is debt settlement and how does it work? Debit settlement is the process of negotiating…
How can I make Collectors STOP calling
The US household total debt just rose by $148 billion, or 0.9 percent, to $17.05 trillion in the first quarter of 2023 and household debt and credit…
How does Tradelines affect my credit score
Demystify how tradelines impact your credit score with our insightful guide. Learn the pros and cons to make informed credit decisions.
Voluntary Repossession
A repossession or voluntary surrender also known as a voluntary repossession occurs when someone cannot afford the payment on their vehicle anymore.…
Debit Settlement
Debt Settlement What is debit settle? Debit settlement is the process of negotiating with your creditors, so that they may be willing to accept less…
Charge-Off
A charge-off can be defined as a derogatory entry in your credit report that has a negative affects your credit scores and your ability to borrow…
Should I Pay Off My Credit Card Debt Immediately or Carry over a Balance and pay it off Over Time
If you’ve come across extra cash and have credit card debt, you may think what the best way is to invest it, whether it’s a good idea to pay off your…
Which Debts Should I Pay Off First to Improve My Credit
If you’re focused on improving your credit scores, paying down your debts can be an effective way to do it. Starting with revolving debts, such as…
Can Paying off Collections Raise Your Credit Score
What Are Collection Accounts? A collection account is an entry on your credit report that indicates default on a previous obligation. The original…
What’s the Difference Between a Credit Report and Credit Score
What Is a Credit Report? A credit report contains information about a person and their history of paying credit accounts, such as loans and credit…
Is it a good idea to get a Payday Loan
Payday loans are geared to people who need cash quickly. For their convenience and minimal credit requirements, these loans charge high interest rates…
Collections on Your Credit Report :
When an account becomes seriously past due, the creditor may decide to turn the account over to an internal collection department or to sell the debt…
Can I Remove an Old Charge-Off Now That It’s Been Settled? Read our blog to get informed
I wanted to share this information as it is a very common question amongst our client, read up to get a little more knowledge on these types of…
How to Manage Your Debt
While it’s always good advice to avoid carrying more debt than you can handle, eliminating debt from your life entirely may not be possible—or even…
Can a Collection Agency Sell Your Debt
Consumer debt in the U.S. soared to an all-time high in 2020—reaching nearly $14.9 trillion, according to national credit data. Some of that debt is in…
“Dragging” debt
Having to deal with collection accounts for 7 years is tough, very very tough. The stress of knowing you owe creditors that once helped you, the worry…
Thinking of Financing A Home With Bad Credit
We all have heard of the American Dream. For most of us, a big part of the American Dream is owning your own home. While there are several options for…
Going From Overwhelming Debt & Bankruptcy, to Excellent Credit
In most cases debt is inevitable, When going thru rough financial times, more often than not, we seem to see very limited options available to us. When…
Can I Consolidate my School Loans
Student loan consolidation is a way to combine multiple federal loans into a single direct consolidation loan. Credit Services of America can help with…
Can A Repossession Be Removed from Your Credit Report
Yes, if you have a repossession in your credit history you have a few options to remove this negative item from your credit report. You could try to…
Should I Pay My Collection Accounts
If you do not pay your creditor, credit card, or other debt, the lender may decide to send your file to a collection agency. A collection agency’s’ job…
Debt Consolidation VS Debt Settlement
The answer to this question depends on your amount of debt and your ability to make the monthly payments. If you are going through a financial hardship…
What happens when you pay off a collection account
The credit report represents history on all accounts. When you pay off or close a collection account, the collection company updates the account to…
Voluntary Repossession vs. Involuntary Repossession
Your Credit Scores Impact After a Voluntary and Involuntary Repossession in Texas 🚙 💯 Overcoming Credit Roadblocks, Unlocking Opportunities – When You…
Debt settlement VS Debt consolidation
Debt Settlement VS Debt Consolidation Debt settlement and debt consolidation are two forms of financial help for people struggling with more debt than…
Before You Pay Off Outstanding Debt…Read This
If you think paying off your outstanding debt will help, this is not necessarily the case. Sometimes all it does is reset the clock and impacts your…
MERRY MERRY DEBT RATIOS
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