http://creditfederal.com/article en-us http://creditfederal.com/article N/A article@creditfederal.com Thu, 02 Sep 2010 11:47:10 CDT 20 http://creditfederal.com/article/articles/754/1/Secured-and-Unsecured%2C-Paid-and-Free-Debt-Relief-Programs Just as there are many different types of secured and unsecured debt, there are almost as many debt relief options both free and paid, including filing bankruptcy, personal budget debt management, debt settlement negotiation and credit counseling. Credit Federal Sun, 01 Aug 2010 00:00:00 CDT http://creditfederal.com/article/articles/747/1/Debt-Management-Tips Free debt management tips and advice on how to get bills under control. Credit Federal Sat, 17 Jul 2010 00:00:00 CDT http://creditfederal.com/article/articles/741/1/Credit-Card-Charges-can-cause-Long-Term-Loan-Debt Credit cards are a money management tool that can be used as a short or long term loan, so building credit card debt can happen quickly and easily with high outstanding balances. Credit Federal Fri, 09 Jul 2010 00:00:00 CDT http://creditfederal.com/article/articles/734/1/Debt-Management-Counseling-Info-and-Advice Debt management counseling information and free debt relief advice. Credit Federal Wed, 23 Jun 2010 00:00:00 CDT http://creditfederal.com/article/articles/727/1/Counseling%2C-Consolidation-and-Other-Debt-Relief-Options Review all your debt relief options, including credit counseling, debt consolidation and other ways to payoff bills. Credit Federal Sat, 12 Jun 2010 00:00:00 CDT http://creditfederal.com/article/articles/711/1/What-Is-A-Debt-Management-Plan Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software. Credit Federal Fri, 13 Nov 2009 00:00:00 CST http://creditfederal.com/article/articles/696/1/Legitimate-Debt-Relief%2C-Consolidation-and-Settlement You can get out of debt. There are many legitimate debt relief options, including debt consolidation, debt negotiation, and do-it-yourself free debt settlement. Credit Federal Fri, 25 Sep 2009 00:00:00 CDT http://creditfederal.com/article/articles/695/1/Pay-Credit-Card-Bills-for-Rewards When you pay credit card bills on time, it's not uncommon to be offered better rewards credit cards and lower interest. If you cannot pay credit card bills, consider options. Credit Federal Tue, 22 Sep 2009 00:00:00 CDT http://creditfederal.com/article/articles/693/1/Get-Out-of-Debt-Free-and-Fast Learn tips on how to get out of debt free, fast and easy. You can also get professional advice with a credit counseling, debt consolidation loan or debt settlement company. Credit Federal Wed, 16 Sep 2009 00:00:00 CDT http://creditfederal.com/article/articles/692/1/Credit-Card-Debt-Relief-Options Learn the processes for credit card debt consolidation and credit card debt settlement and choose the debt relief option that is best for your financial situation. Credit Federal Fri, 11 Sep 2009 00:00:00 CDT http://creditfederal.com/article/articles/689/1/Getting-out-of-Joint-Credit-Card-Debt Information about applying for and getting out of joint credit card debt. Submit a joint credit card account application or apply for joint spouse debt settlement. Credit Federal Thu, 03 Sep 2009 00:00:00 CDT http://creditfederal.com/article/articles/687/1/Go-To-Jail-For-Not-Paying-Bill Can you go to jail for not paying bills? Learn your debt protection rights and avoid being a scam victim. Credit Federal Wed, 26 Aug 2009 00:00:00 CDT http://creditfederal.com/article/articles/685/1/Lower-Credit-Card-Balances A federal government report reveals lower credit card balances for consumers. If you can't payoff credit card balances, get free debt settlement, credit counseling and debt consolidation quotes. Previous articles:Balance transfer credit card - How to safely transfer balances to a 0 intro card.Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap. Credit Federal Mon, 17 Aug 2009 00:00:00 CDT http://creditfederal.com/article/articles/684/1/Who-Pays-Joint-Spouse-Debt Who pays joint spouse debt after divorce or during marriage separation? What are creditor and law rules? Before divorcing, settle debts either with a payoff loan, debt settlement chargeoff, or refinance debt in one spouse's name. Credit Federal Fri, 14 Aug 2009 00:00:00 CDT http://creditfederal.com/article/articles/683/1/Credit-Counseling-VS-Debt-Settlement-VS-Bankruptcy-Filing When you need debt relief, your three big options are credit counseling, debt settlement and bankruptcy filing. Review free tips before choosing. Credit Federal Thu, 13 Aug 2009 00:00:00 CDT http://creditfederal.com/article/articles/678/1/Free-Debt-Advice Free debt advice. Learn debt signs and review free tips on how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan. Credit Federal Wed, 22 Jul 2009 00:00:00 CDT http://creditfederal.com/article/articles/668/1/Free-Tips-to-Avoid-Credit-Card-Charges Running up big balances on your unsecured credit card or store retail card and paying high interest? Review these free tips to avoid credit card charges. If you can't repay debt, consider counseling, debt management, an unsecured debt consolidation loan (for homeowners) or perhaps negotiate debt settlements. Credit Federal Mon, 15 Jun 2009 00:00:00 CDT http://creditfederal.com/article/articles/661/1/Free-Money-Saving-Tips Review our free money saving tips and download our expense tracking software. Credit Federal Sat, 23 May 2009 00:00:00 CDT http://creditfederal.com/article/articles/653/1/Student-Credit-Card-Debt Student credit card debt is on the rise. To help payoff credit card balances, consider a student consolidation loan to free up monthly money, balance transfer credit card balances to a 0 intro card offer, then use the savings to make higher repayments. Credit Federal Wed, 06 May 2009 00:00:00 CDT http://creditfederal.com/article/articles/650/1/Instant-Emergency-Loan-Application-and-Preparation You can submit an instant emergency loan application for a crisis situation, or you can prepare now to fund such events so you're not using equity for a secured loan or paying high interest for an unsecured loan. Credit Federal Sun, 26 Apr 2009 00:00:00 CDT http://creditfederal.com/article/articles/645/1/Stop-Bill-Collector-Calls-and-Threats Free tips to easy stop bill collector calls and threats by learning your rights. Stop debt agency harassment, plus advice on how to negotiate settlements. Sample debt verification and debt settlement letters. Credit Federal Sun, 12 Apr 2009 00:00:00 CDT http://creditfederal.com/article/articles/633/1/Get-Out-of-Payday-Loan-Debt How to get out of payday loan debt. Your rights and solutions and tips other than filing bankruptcy for even the most desperate people. Negotiate repayments, get a debt consolidation loan, lower fees with credit counseling or chargeoff a portion through debt settlement. Credit Federal Sun, 01 Feb 2009 00:00:00 CST http://creditfederal.com/article/articles/631/1/Cant-Make-Credit-Card-Payments When you cant make credit card payments or even pay the minimum due, you have options which include an unsecured debt consolidation loan, credit counseling, debt management, or you could negotiate a debt settlement chargeoff or file bankruptcy. Credit Federal Fri, 30 Jan 2009 00:00:00 CST http://creditfederal.com/article/articles/626/1/Credit-Card-Debt-Relief Secured and unsecured loan options, counseling, debt settlement chargeoffs and other tips for credit card debt relief. Credit Federal Mon, 26 Jan 2009 00:00:00 CST http://creditfederal.com/article/articles/621/1/High-Rate-Credit-Card-Debt High interest rate credit card debt could result in bank credit limit decreases, even higher rates, and subsequently maxing-out and getting hit with over limit fees. If your credit card debt is a financial burden leading you to bankrtupcy, take action now with credit counseling, debt consolidation or perhaps negotiate a debt settlement type of chargeoff. Credit Federal Wed, 14 Jan 2009 00:00:00 CST http://creditfederal.com/article/articles/620/1/Credit-Card-Debt-Default Interest rate hikes to offset high risk may be increasing credit card debt defaults and worsening the credit crisis. It's like an unsecured loan version of the mortgage mess. For debt relief, consider a debt settlement chargeoff, credit counseling or an unsecured debt consolidation loan. Credit Federal Tue, 13 Jan 2009 00:00:00 CST http://creditfederal.com/article/articles/619/1/Budgets%2C-Debt-Management%2C-Consolidation%2C-Settlement%2C-Counseling-and-Bankruptcy Put debt tools to work for you. Create a budget and learn about your debt relief solutions including debt management, debt consolidation, debt settlement, credit counseling and bankruptcy. Download our free budget software and our free electronic checkbook register to track expenses. Credit Federal Sun, 11 Jan 2009 00:00:00 CST http://creditfederal.com/article/articles/615/1/Credit-Card-Debt-Advice Free credit card debt advice and solutions to either payoff balances with a loan, chargeoff, file bankrutcy or to reduce payments. Credit Federal Tue, 30 Dec 2008 00:00:00 CST http://creditfederal.com/article/articles/613/1/Credit-Card-Christmas-Debt Advice and free tips to help avoid Christmas debt, and options to settle debt, payoff bills, or to use credit counseling or an unsecured debt consolidation loan. Credit Federal Sat, 29 Nov 2008 00:00:00 CST http://creditfederal.com/article/articles/593/1/Payoff-Credit-Card-Debt Free financial tips on how to payoff credit card debt. Use our online calculators or download our free software to your desktop to help you manage personal finances and track expenses, or get assistance like credit counseling, debt management or to negotiate settlement. Credit Federal Sun, 12 Oct 2008 00:00:00 CDT http://creditfederal.com/article/articles/573/1/Debt-Loan-Advice Free advice and tips on debt loan options. Consider offers and apply for a loan to payoff debt. Credit Federal Tue, 02 Sep 2008 00:00:00 CDT http://creditfederal.com/article/articles/567/1/College-Student-Credit-Card-Debt According to a survey, 1 in 4 college students incur $5,000 in credit card debt. Use our free financial calculators to create a budget and track expenses, and get a free credit counseling quote. Credit Federal Sat, 30 Aug 2008 00:00:00 CDT http://creditfederal.com/article/articles/563/1/Stop-Credit-Card-Debt Charging too much credit card debt? Free tips on how to stop credit card charges, plus free computer software to track expenses. Credit Federal Thu, 28 Aug 2008 00:00:00 CDT http://creditfederal.com/article/articles/551/1/Stop-Debt-Save-Money Tips on how to stop debt and save money. Plus free personal finance calculator downloads to create budgets, assist with bill payments and free checkbook register software. Credit Federal Sat, 09 Aug 2008 00:00:00 CDT http://creditfederal.com/article/articles/550/1/Debt-Free-Money The government free money (stimulus checks) may have stimulated the economy at the expense of digging consumers deeper into credit card debt with new expenses added to bills they already cannot repay. Consider credit counseling, debt consolidation, or negotiate chargeoff settlements. Credit Federal Fri, 08 Aug 2008 00:00:00 CDT http://creditfederal.com/article/articles/531/1/How-To-Reduce-Debt It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer. Credit Federal Sat, 19 Jul 2008 00:00:00 CDT http://creditfederal.com/article/articles/526/1/Biggest-Debt-Mistakes Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling. Credit Federal Mon, 14 Jul 2008 00:00:00 CDT http://creditfederal.com/article/articles/516/1/Short-and-Long-Term-Debt-Relief Even bad credit people have more than one option to get short or long term debt relief. Here are some options; other than asking family and friends for money, and a few warnings. Credit Federal Mon, 07 Jul 2008 00:00:00 CDT http://creditfederal.com/article/articles/513/1/Debt-Relief-Tips CreditFederal offers abundant resources to deal with debt, including professional services like credit counseling, debt management and debt negotiation, as well as do it yourself free debt relief tips. Credit Federal Fri, 04 Jul 2008 00:00:00 CDT http://creditfederal.com/article/articles/505/1/Credit-Card-Max-Lowers-Score The reduction of maximum credit limits by card issuers is causing or worsening bad credit report scores. As the economy worsens, even your credit card company; if it hasn't yet done so, may try to also lower its high risk of default and debt settlement chargeoffs. Credit Federal Sun, 29 Jun 2008 00:00:00 CDT http://creditfederal.com/article/articles/490/1/Free-Debt-Relief-Advice Perhaps your credit mistakes are the reason why bills continually pour into your mail box despite debt consolidation efforts, struggles to payoff and/or to negotiate debt settlement chargeoffs. Read our free debt relief advice. Credit Federal Mon, 16 Jun 2008 00:00:00 CDT http://creditfederal.com/article/articles/488/1/Money-To-Payoff-Debt Personal budgets are stretched thin. Here are ways to get money to repay debt. If you still have high debt balances, consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount. Credit Federal Sat, 14 Jun 2008 00:00:00 CDT http://creditfederal.com/article/articles/473/1/Calculate-Debt-And-Payoff Most Americans have some form of debt and that's OK, but what is too much debt and what are your options? Should you get a secured or unsecured loan to payoff debt, hire a nonprofit credit counseling agency to setup a repayment plan, combine bills with debt consolidation or negotiate settlement? Credit Federal Fri, 16 May 2008 00:00:00 CDT http://creditfederal.com/article/articles/471/1/Stop-Credit-Card-Debt-Abuse Can't payoff credit card debt because you keep charging and adding to the balance? Stop credit card abuse for greater financial security. Free tips for credit card debt reduction. Credit Federal Wed, 14 May 2008 00:00:00 CDT http://creditfederal.com/article/articles/447/1/Debt-Solutions There are many debt solutions. Which one is right for you; and best, whether a debt consolidation loan, complete chargeoff, credit counseling or to negotiate settlement, depends upon your financial situation, goals, and personality. Credit Federal Fri, 28 Mar 2008 00:00:00 CDT http://creditfederal.com/article/articles/444/1/Credit-Card-Balance-Transfer-Debt How to avoid; and get out of, credit card balance transfer debt that builds up by transferring balances. Credit Federal Wed, 26 Mar 2008 00:00:00 CDT http://creditfederal.com/article/articles/443/1/Manage-Debt-Yourself Do-It-Yourself tips on how to manage debt to get finances under control. Should you chargeoff or payoff bills, consolidate or negotiate settlement? Credit Federal Wed, 26 Mar 2008 00:00:00 CDT http://creditfederal.com/article/articles/435/1/Long-Term-Plan-to-Pay-Off-Bills Long term plan to pay off bills and be debt free within one year without counseling, settlement, nor a consolidation loan. Credit Federal Sat, 26 Jan 2008 00:00:00 CST http://creditfederal.com/article/articles/434/1/Payoff-Debts-Without-Loans Bills may be sticking up, but there are simple ways to payoff debts and without using credit cards and loans, and without counseling or to negotiate settlement. Credit Federal Wed, 23 Jan 2008 00:00:00 CST http://creditfederal.com/article/articles/428/1/%2410000-Loan-for-Credit-Card-Bills Need a $10000 loan to payoff credit card bills? Here's where to get it. Online credit card and loan applications. Credit Federal Tue, 08 Jan 2008 00:00:00 CST http://creditfederal.com/article/articles/424/1/High-Credit-Card-Charges Are your credit card charges too high and you think you'll stop paying? Read our free tips. Credit Federal Sun, 30 Dec 2007 00:00:00 CST http://creditfederal.com/article/articles/417/1/Unpaid-Credit-Card-Debt The amount of unpaid credit card debt escalates as spending continues. Credit Federal Thu, 27 Dec 2007 00:00:00 CST http://creditfederal.com/article/articles/406/1/Credit-Card-Charge-Off As Christmas approaches and while shopping is in full swing, credit card charge off volume was higher this quarter. Credit Federal Thu, 06 Dec 2007 00:00:00 CST http://creditfederal.com/article/articles/393/1/Fraud-and-Credit-Scams-Target-Debt-People People with big debts are often targeted for credit scams and fraud. Credit Federal Sun, 04 Nov 2007 00:00:00 CDT http://creditfederal.com/article/articles/392/1/Bankruptcy-Debt The clean start promised by bankruptcy is under attack as big lenders continue shaking money from the pockets of consumers whose debts were discharged by the courts. Credit Federal Fri, 02 Nov 2007 00:00:00 CDT http://creditfederal.com/article/articles/383/1/Payoff-Credit-Card-Debt Solutions and alternatives to payoff credit card debt and stop more debt. Credit Federal Tue, 16 Oct 2007 00:00:00 CDT http://creditfederal.com/article/articles/377/1/%2410000-Cash-Personal-Expenses Looking for $10000 cash to cover personal expenses? Credit Federal Thu, 11 Oct 2007 00:00:00 CDT http://creditfederal.com/article/articles/352/1/Credit-Card-Payment-Defaults An increase in credit card payment defaults may be due to the bad credit mortgage problem. Credit Federal Wed, 29 Aug 2007 00:00:00 CDT http://creditfederal.com/article/articles/337/1/Good-Bills-VS-Bad-Debt In regards to loan repayments, there are good bills and bad debt. What items should you borrow money for? Credit Federal Wed, 04 Jul 2007 00:00:00 CDT http://creditfederal.com/article/articles/313/1/10-Personal-Budget-Reasons Learn how a personal budget can help you manage your household expenses. Credit Federal Sat, 14 Oct 2006 00:00:00 CDT http://creditfederal.com/article/articles/303/1/Bankruptcy-Filing Although a federal law regarding bankruptcy filing was enacted last year, it's still possible. Credit Federal Mon, 02 Oct 2006 00:00:00 CDT http://creditfederal.com/article/articles/298/1/Consumer-Debt-Late-Payments Consumer debt has increased, resulting in late payments in multiple loan categories. Credit Federal Thu, 28 Sep 2006 00:00:00 CDT http://creditfederal.com/article/articles/287/1/Unknown-Debt-Collection-Agency Is a debt collection agency calling and harassing you about a debt you do not recognize? Know your rights. Credit Federal Fri, 15 Sep 2006 00:00:00 CDT http://creditfederal.com/article/articles/286/1/Pay-Off-Debt-Options When you have available funds, should you pay off debt? What should you consider. Credit Federal Fri, 15 Sep 2006 00:00:00 CDT http://creditfederal.com/article/articles/250/1/Divorce-and-Debts Facts about Divorce and Paying Debts on an Individual or a Joint Spouse Account. Credit Federal Wed, 21 Jun 2006 00:00:00 CDT http://creditfederal.com/article/articles/246/1/Consumer-Credit-Counseling-Report The first phase of research on consumer credit counseling effectiveness has been completed and the results announced by CFA and American Express. Credit Federal Wed, 14 Jun 2006 00:00:00 CDT http://creditfederal.com/article/articles/243/1/Pre-Bankruptcy-Credit-Counseling-Bad-News In an effort to reduce the number of bankruptcy filings, the federal government passed legislation that requires debtors to first engage in credit counseling, AKA debt management, prior to filing bankruptcy. But is this back-firing and causing more debt problems? Credit Federal Wed, 07 Jun 2006 00:00:00 CDT http://creditfederal.com/article/articles/237/1/Debt-Consolidation-and-Debt-Settlement Learn the differences between bankruptcy, debt settlement and credit counseling. Credit Federal Thu, 01 Jun 2006 00:00:00 CDT http://creditfederal.com/article/articles/216/1/Economy-and-Debt Are consumers digging a debt hole if the economy slows? Credit Federal Tue, 02 May 2006 00:00:00 CDT http://creditfederal.com/article/articles/215/1/Ending-the-Debt-Cycle To end the debt cycle, parents and teachers must educate children on sound financial management and long-term planning. Credit Federal Mon, 01 May 2006 00:00:00 CDT http://creditfederal.com/article/articles/182/1/Debt-Settlement-Facts Is debt settlement right for you? Learn about the debt negotiation process. Credit Federal Mon, 20 Mar 2006 00:00:00 CST http://creditfederal.com/article/articles/139/1/Zombie-debt-collectors There are Zombie debt collection companies that buy bad debts for pennies on the dollar and then hassle you to pay, many operating in violation of federal law. Credit Federal Thu, 09 Feb 2006 00:00:00 CST http://creditfederal.com/article/articles/135/1/Personal-Debt-Increasing Personal debt increases, as Americans spend more than their disposable income, according to the Bureau of Economic Analysis Credit Federal Mon, 30 Jan 2006 00:00:00 CST http://creditfederal.com/article/articles/99/1/Payoff-Balance Credit Card Balance Payoff Trap - Your credit card debt is always higher than the statement says it is if you're one of the millions of Americans who carry a balance every month. Credit Federal Mon, 14 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/77/1/Reduce-Bills You can reduce bills free on your own or you can get professional debt reduction assistance online. Credit Federal Sun, 06 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/76/1/Debt-Consolidation-Loan Apply for a debt consolidation loan, or for nonhomeowner debt consolidation. Who qualifies? Read our debt article! Credit Federal Sun, 06 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/75/1/Credit-Counselor Get a reputable credit counselor. This article contains important tips on how to find a good credit counseling agency. Credit Federal Sun, 06 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/74/1/Credit-Card-Debt Tips to avoid and how to get out of credit card debt.  If you need professional help, use our preferred resource to eliminate credit card debt. Click below to read this article. Credit Federal Sun, 06 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/73/1/Christmas-Credit-Card-Bills Christmas credit card debt? Get help to eliminate or pay off Christmas bills. Read this article! Credit Federal Sun, 06 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/72/1/Chargeoff-Credit-Card Chargeoff credit card debt, unsecured bills. Read this debt article and do-it-yourself or click for professional help. Credit Federal Sun, 06 Nov 2005 00:00:00 CST http://creditfederal.com/article/articles/71/1/Balance-Transfer-Debt Before you balance transfer credit card debt, read this important article. It may be better to consider alternatives! Credit Federal Sun, 06 Nov 2005 00:00:00 CST