Credit Tips and Learning Center

Personal Privacy and Security Policy

New and Used Car Loans and RefinancingSecured and Unsecured Credit CardsCredit Report, Score, Repair and ProtectionDebt Counseling, Settlement and ConsolidationNew Home Purchase, 2nd Mortgage ReFi, Cash EquityShort and Long Term Personal Loans


Once a week, you should account for your weekly income and expenses. Typically a good day of the week to do this is right after payday. By keeping a weekly tally of your financial situation you can avoid money shortcomings or other issues until the next payday.

             

Debt Relief application articles and tips

 

Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company. Christmas credit card debt - Options on how to get help with too much Christmas credit card debt. Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments. Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt. Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills. Debt collection agency rules - There are important facts you need to know before you contact; or are contacted by, debt collection agencies. Credit counseling - Learn about credit counseling and how to choose a good company. Credit counseling versus debt settlement - Decide which alternative is the best option for you. Debt consolidation loan - Payoff bills with a debt consolidation loan. Debt counseling - Lower monthly bill payments or reduce principal altogether. Debt negotiation - Charge-off debt; reduce principal owed. Debt negotiation sample letter - Do It Yourself debt settlement. Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company. Government debt consolidation loans - Truth about government loans to pay bills. Free debt settlement - Do It Yourself debt settlement to negotiate lower bills. Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce. Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company. Nonprofit credit counseling - What to look for when choosing a credit counseling company. Advantages of Nonprofit debt consolidation. Nonhomeowner debt consolidation loan options for nonhomeowners to pay off debt. Tips to Payoff balance of credit cards and how to avoid the debt trap. Pay off debt loan options and tips to pay off debt. Download our free Personal budget software and instructions for our software. Reduce bills free lower expenses. Reminders to pay bills on time. Strategies to Repay payday loan. Use our free software to Track expenses. Items which qualify as Unsecured debt and how you can combine bills into one monthly payment with Unsecured debt consolidation. An Unsecured debt consolidation loan may be best for paying off high interest debt, or you could Balance Transfer Debt. Is your Personal Debt Increasing? Debt Settlement Facts about the negotiation process. Ending the Debt Cycle with sound financial management and long-term planning. Economy and Debt warnings. Debt Consolidation and Debt Settlement differences. Pre-Bankruptcy Credit Counseling per government legislation requires debtors to first engage in credit counseling, AKA debt management. Divorce and Debts on an Individual or a Joint Spouse Account. Student Credit Card Debts and options to Pay Off Debt. Unknown Debt Collection Agency calling and harassing you about a debt you do not recognize? Know your rights and be alert to Consumer Debt Late Payments. Debt Settlement is one option for people to consider who are too deep in debt for a repayment plan. Marriage Debt-Lock - Wedlock could become Debt-lock. Avoid and recover from marriage debt. Good Bills VS Bad Debt In regards to loan repayments, there are good bills and bad debt. Payoff Credit Card Debt Solutions and alternatives and ways to stop more debt. Bankruptcy Debt debts that can be discharged by the courts. Fraud and Credit Scams Target Debt People with big debts. Credit Card Charge Off stats. Debt Settlement Company FAQ - Can a debt settlement company really lower your debt so you can pay off in a few years? Unpaid Credit Card Debt - The amount of unpaid credit card debt escalates as spending continues. Payoff Debts Without Loans - Bills may be stacking up, but there are simple ways to payoff debts and without using credit cards and loans, and without counseling or to negotiate settlement. 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. $7000 Debt Question - I have about 7000 in debt. My credit is not good . I am looking to change that I do not have collateral to put down on the loan . Is there anyone who can help me?  What Is Unsecured Debt Consolidation - the advantages, pros and cons over counseling and chargeoffs, or should you negotiate settlement? Credit Card Balance Transfer Debt - How to avoid; and get out of, credit card balance transfer debt. Manage Debt Yourself - Do-It-Yourself tips. Should you charge off or payoff bills, consolidate or negotiate settlement? Debt Solutions - Which one is right for you; and best. Christian Loans and 7 Year Debt - Why is unpaid debt removed from credit reports after 7 years? Why not allow bad credit report entries to remain long term, beyond 7 years? Stop Credit Card Debt Abuse - Stop credit card abuse for greater financial security. Calculate Debt And Payoff - some form of debt is OK. Debt Collectors are negotiating settlements. Debt Collection Statute Of Limitation - Read our article about the debt collection statute of limitation for how long creditors, bill collectors and debt collection agencies may legally pursue repayment. Money To Payoff Debt - consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount. Free Debt Relief Advice and the Statute of Limitations Debt Collection Act on how to deal with debt collection agency harassment and how to negotiate debt settlement. Debt Relief Tips - resources to deal with debt and making plans for Short and Long Term Debt Relief. Biggest Debt Mistakes - Avoid common errors. How To Reduce Debt options. Debts And Bills tips to manage personal finances. Debt Free Money - The government free money (stimulus checks). Tips to Stop Debt Save Money. Debt Collection Agency Negotiation strategies. Debt Collector Verification sample letter and advice on how to get a debt collector to prove you owe money. Ways to Stop Credit Card Debt. College Student Credit Card Debt statistics. Debt Settlement Vs Debt Consolidation - What is the difference? Debt Loan Advice - Consider offers and apply for a loan to payoff debt. Creditor Rejects Debt Settlement Negotiation - What to do if a creditor rejects your debt settlement offer and refuses all negotiation. Can Debt Collectors Put Me In Jail for not paying my bill? Being in debt is not a crime. Payoff Credit Card Debt or get assistance. Old Debt Collections - Zombie Debt Collectors will try to get you to payoff old obligations like credit card debt  Beware of Fake Phantom Debt Collectors. Stop Debt Collection Agency Calls - You have the right under federal law to stop debt collection agency calls. Harassing Debt Collector Fined - A harassing debt collector was fined $2.25 million. Review federal regulations and rules that protect your rights. Credit Card Debt Advice. Budgets, Debt Management, Consolidation, Settlement, Counseling and Bankruptcy - Create a budget and learn about your debt relief solutions. Credit Card Debt Default - Interest rate hikes to offset high risk may be increasing credit card debt defaults. High 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. Debt Collectors Violating Do Not Call List send a cease and desist letter or a debt verification. Free Debt Collection Agency Tips to help you deal with harassing bill collectors. Credit Card Debt Relief loans. Cant Make Credit Card Payments - When you cant make credit card payments or even pay the minimum due, you have options. Ways you can Get Out of Payday Loan Debt. Free Tax Assistance for Seniors and Low Income and Tax Debt Help - There could be help for getting taxes prepared if you are low-come or elderly through the VITA or "The IRS Volunteer Income Tax Assistance" program. Tax Debt Help - The IRS offers free tax debt help to settle for a lower amount owed without filing bankruptcy. Stop Bill Collector Calls and Threats - stop debt agency harassment Sample debt verification and debt settlement letters. Do It Yourself Free Debt Settlement or Use a Debt Negotiation Company - pros and cons. Student Credit Card Debt - make higher repayments. Chargeoff Credit Card Debt and Rebuild Credit Score - It may take time, yet eventually you can rebuild credit after you chargeoff credit card debt. Chargeoff Credit Card Debt To Avoid Bankruptcy either yourself for free or by hiring a debt settlement company.  Settle Credit Card Debt - negotiate a larger settlement amount. Free Tips to Avoid Credit Card Charges. Debt Arbitrators Code of Ethics - Review the Code of Ethics of the International Association of Professional Debt Arbitrators. Free Debt Advice -  signs and how to control, manage and payoff bills. Old Debt used to indicate debt that was several years old, but now it has another, new definition: debt owed by elderly persons.  Credit Counseling VS Debt Settlement VS Bankruptcy Filing - your three big options. Review before choosing. Who Pays Joint Spouse Debt after divorce or during marriage separation? Lower Credit Card Balances - A federal government report reveals lower credit card balances for consumers. Getting out of Joint Credit Card Debt - Information about applying for and getting out of joint credit card debt. Credit Card Debt Relief Options - choose the one that is best for your financial situation. Get Out of Debt Free and Fast - professional advice and Legitimate Debt Relief, Consolidation and Settlement. Debt Settlement Advice to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Credit Card Debt Settlement may be a good option if you are burdened to the point of filing bankruptcy. What Is A Debt Management Plan, Counseling, Consolidation and Other Debt Relief Options. Debt Management Counseling Info and Advice. Be careful as Credit Card Charges can cause Long Term Loan Debt. Debt Management Tips to get finances under control. Secured and Unsecured, Paid and Free Debt Relief Programs -there are many debt relief options both free and paid. Credit Card Christmas Debt - options to settle holiday card charges. How to get out of payday loan debt - repay or negotiate a payoff settlement. Debt Management Plan Advice - through a debt management plan (DMP) you deposit money each month with a credit counseling organization. How to Tell Debt Collectors Not to Call - You have the Right to Tell Debt Collectors Not to Call You. College Debt Grant Question - What Grant programs if any can a veteran apply to for student loan debt. Higher Loans with Lower Interest Debt. Free Sample Debt Settlement and Negotiation Letter to be used as a comprise letter to creditors. Zombie debt collectors - many operate in violation of federal law. Debt Consolidation Loan  or fnonhomeowner debt consolidation. Avoid and resolve Credit Card Debt. Bill Collector Bad Debt Collection - A new scam against credit consumers involves debt collection agencies inventing past due bills and demanding repayment. Inventing fake debt and trying to get money from consumers who don't even owe. Credit card debt cancellation letter - You cannot simply stop paying credit card debts you had accrued. Even if you send your credit card company a cancellation letter; and even if you tear up your card, you are still responsible. Debt Glossary - Credit and Debt Definitions Dictionary. Help with holiday bills to Get Out of Christmas Credit Card Deb. Christmas Debt Personal Loans - A long term debt consolidation loan to payoff Christmas credit card bills or you could Chargeoff Christmas credit card debt. Review all Ways to payoff Christmas credit card bills and debts such as by using gift cards. Sue a Debt Collection Agency and Reasons to Pay a Collector - Yes, you can sue a debt collection agency for violating regulations. Bad Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt? Debt Collection Agency Contact Phone Number and Address - alphabetical listing of debt collection agencies with contact information such as telephone number and/or mailing address. Use Extra Money to Payoff Credit Card Debt or Put in Savings Account - I came into enough money to payoff my credit cards. What should I do. Payoff credit card balances or put that money into a savings account? Signs of Debt Relief Scams - To avoid scammers all you need to do is watch for telltale signs and verify references from legitimate resources. Secret Tricks Debt Collectors Use - Divorce, bankruptcy and even dead debt beyond the statute of limitations can be resurrected as Zombie Debt through secret tricks debt collectors use. Before You Answer Debt Collector Calls - understand your rights and be wary of mistakes other people often make. Stop Payday Loan Debt Borrowing -  some people continually obtain these short term loans because they are low on funds and have bills due. Medical Debt Collection Dispute - If you received a medical bill you do not agree with or does not belong to you, here is how to write a medical debt collection dispute letter. Settle Deceased Person's Debt - When a relative or other loved-one dies, you certainly don't want to be hounded by debt collectors who are ghoulishly seeking debt payment. Banks that Offer Debt Consolidation Loans for Personal Bills - Review a select list of banks that offer personal debt consolidation loans. Track Down Original Creditor for Debt Collection Agency - Don't payoff someone else's debt collection agency. Track down the original creditor to make sure you owe the money. Non-Dischargeable Debt Bankruptcy Lawsuit - You file bankruptcy to avoid repaying debts, but then a creditor files a non-dischargeable debt lawsuit to ask the judge (court) to determine the debt owed is non-dischargeable. Christmas Debt Consolidation Loan - to payoff credit card bills in full. How to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go into the holidays with debt already on your credit cards, and then adding yet more charges. Smartly Recover from Christmas Debt - What is the smartest way? Christmas Credit Card Debt Statement - How your Christmas credit card debt statement knocked the holiday spirit out of you? Debt Help with Payday Loans and end the cycle or borrowing. Charge Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card Debt Yourself. Debt Help Without Ruining Credit - ways to get debt help without ruining credit scores and may even improve. What Debts are Discharged in Bankruptcy - An example listing of what debts are discharged in Bankruptcy, Chapter 7 and Chapter 13. Common Debt Terminology Definitions. Junk Debt Collectors of Old Bills are relentless in their pursuit of profit. Debt Help for Unemployed People. Debt Help for Medical Bills. Writing Off Debt Legally and have it forgiven What Happens to Debt After Seven Years Statute? - After the limitation has passed, many negative items can be deleted from your credit report. That includes things like late payments, debt collections and charged-off accounts.  Government Debt Relief Company Rules - Federal rules to protect consumer rights.   Debt Consolidation Loan for Bad Credit People - Lenders worry that if you are having trouble paying your current bills, how likely will you be able to repay an unsecured loan?  Is My Debt Too High - Most everyone's debt is too high. Bad Debt Management Company Red Flags - Avoid Companies which make extravagant promises and deliver little. You can consult The Association of Independent Credit Counseling Agencies; a national association of non-profit credit counseling agencies, for a list of member companies. Members of the AICCCA must be non-profit credit counseling agencies who are properly licensed to business in their state. Debt Help for People on Benefits - Debt Help for People on Benefits, SSI or Senior Citizens  Payday Loan Debt Settlement - payday loans are one remaining life-line of credit for millions of Americans. Credit Card Company Debt Hardship Program - How a Hardship Program Works Reduce Bills free on your own or you can get professional debt reduction assistance online. Good Bills VS Bad Debt -there are good bills and bad debt. What items should you borrow money for? $10000 Loan for Credit Card Bills - Need a $10000 loan to payoff credit card bills?. 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. Money To Payoff Debt. 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. How To Reduce Debt and balance transfer. Debts And Bills - Free tips to manage personal finances. Spouse Died with Credit Bills - What you should do if your spouse died and left behind unpaid credit balances and other bills in the spouse's name. Free Debt Advice how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan. Go To Jail For Not Paying Bill - Can you go to jail for not paying bills?  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. What Is A Debt Management Plan. Counseling, Consolidation and Other Debt Relief Options. Chargeoff Credit Card. Need Loan to Pay Bills - I hope I'm not wasting anyone's time, but we are in a desperate situation and I'm hoping your company may be able to help us.  Christmas Credit Card Bills help to eliminate or pay off Christmas bills. Ways to payoff Christmas credit card bills and debts - You could use gift cards. Medical Bills Bankruptcy Filing - You have options to file for medical bankruptcy: Chapter 13, 11 or Chapter 7. Medical Debt Collection Dispute - how to write a medical debt collection dispute letter. Banks that Offer Debt Consolidation Loans for Personal Bills - personal debt consolidation loans. Unpaid Medical Bills Affect Credit Score - Currently unpaid medical bills are identified on credit reports.  Junk Debt Collectors of Old Bills are relentless in their pursuit of profit. Debt Help for Medical Bills - Ways you can get debt help to handle medical bills.

Private Party Personal Loan Lenders Can Sue

Responsibility for Debt Brought Into Marriage

Debt Blacklist Checkers

Ex Spouse Joint Debt and Divorce

Spot and Stop Credit Card Addiction

Payday Loan Debt Settlement

Getting Rid of Medical Bill Impact on Credit Scores

Unmarried Couples Debt

Debt Collectors Using FaceBook

Credit Card Company Debt Hardship Program

How to sue a payday loan company if you have too much interest (fee) debt.

Best debt management program: find out which is best for you.

   

   

 

    

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

  

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

 

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

 

Home Loan: Stop paying rent and live the American dream.

 

Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.

 

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

  

Personal Loan: Short or long term personal loan.

  

Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.

 

Free Help: Personal finance newsletter, credit advice and tips.

 

Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                 



What should I do if a collection agency files a lawsuit against me to pay a debt beyond the statute of limitations? If a debt collector sues to collect on a time barred debt, consider talking to an attorney. Let the judge know that the debt has exceeded the statute of limitations and provide a copy of the verification from the collector or any information you have that shows the date of your last payment. The lawsuit will be dismissed if the judge agrees the debt is time barred. Don't ignore the lawsuit. If you do, the collector likely will get a default court judgment against you, and possibly take money from your paycheck, bank account, or tax refund.


  

Need a free reminder to pay bills? You can use our desktop software to remember utility, credit card and loan payment due dates, even special events such as birthdays and appointments.

 

Our reminder software is 100% free and works on your Windows computer desktop. Simply download, input your important dates and reminders will popup on your computer.

 

Free Bill Reminder Software - Click Here

Free Public Service Courtesy of Credit Federal

  

No doubt, our free bill payment reminder software can help you build and maintain good credit, because timely debt payments are paramount. Our service is 100% free, and works directly (and privately) on your Windows computer desktop. Take advantage of our software to remind you of bill due dates, birthdays, appointments, or to remind you of any important date.

 

You can set your account to send you daily, monthly, or even yearly reminders. Click the graphic above to download our reminder software today.

 

By using our free reminder software, you can save money by avoiding late payment fees and overlimit fees.

 

There is no cost nor obligation.

 

Software Directory? Add our PAD XML file.


Professional debt relief company statement - InCharge Debt Solutions: InCharge Debt Solutions Helps You to Review Your Debt Situation; Create A Budget; Find A Solution. InCharge is a trusted, reputable 501(c)(3) nonprofit organization that has helped over a million people like you repay a staggering $2.3 billion in debt. With an A+ rating from the Better Business Bureau, InCharge is also a member of the National Foundation for Credit Counseling (NFCC) and Association of Independent Consumer Credit Counseling Agencies (AICCCA) and is accredited by the prestigious Council on Accreditation (CoA). When your financial future is at stake, you want to partner with a trusted leader who provides sound, legitimate and proven solutions for getting out of debt. Our professional team of Certified Financial Counselors offers individual advice and coaching. They'll listen to you, develop a current financial "snapshot" and then offer a customized solution for debt relief. You'll get expert help on making and balancing budgets, managing your money, using credit wisely, and building a savings plan. Each year, InCharge provides more than 70,000 free confidential budget and debt counseling sessions. InCharge can customize a DMP for you to provide debt relief that is a sound alternative to bankruptcy. A DMP will consolidate your debt payments into one manageable monthly amount because InCharge will work with your creditors to lower your interest rates - and usually eliminate late fees - so you can pay down your debts in a much shorter period of time at a lower monthly cost than you're now paying. Starting on a DMP with InCharge will help you reduce collection calls and get debt relief without another loan or dealing with bankruptcy. InCharge is among a select group of agencies approved by the Executive Office for United States Trustees to provide budget and credit counseling for bankruptcy filers nationwide. Anyone who files for bankruptcy must complete a Bankruptcy Pre-Filing credit counseling session from an approved provider and receive a Certificate of Counseling before filing. Each year, we help hundreds of thousands of people fulfill their counseling and debtor education requirements during the bankruptcy process. You can work online plus get personal counseling by phone from the convenience of your home for only $30 (single or joint). InCharge's Pre-Discharge online course helps you build on what you learned during the pre-filing course and counseling. You'll get help with money management, budgeting, and how to develop and stick to a plan that leads you to a brighter financial future. You'll be equipped with a full set of financial concepts, tools and skills to help you manage your money after your fresh start. This course can be completed entirely online and the fee is only $25.




Copyright CreditFederal.Com long term bad credit personal loan with monthly payments and no credit check, pre-approved credit cards and free debt settlement.