Credit Card Debt Relief

Does Lowering Your Credit Card Limit Hurt Your Credit?

Personal Finance

It seems like Divinci himself couldn’t unlock the formula that the creditors use to calculate our scores. There are so many myths and debates as to what can or will affect your score that it seems difficult to follow the ...

About 930 days ago by Joshua    0 comments

How to Calculate Debt to Income Ratio

Personal Finance

Are you re-building your credit or just trying to focus on bettering your score? Maybe you’re trying to figure out the advance algorithm that the credit bureaus use to calculate your score? Unfortunately for us, we aren’t given the formula ...

About 983 days ago by Joshua    0 comments

Short Sale Knowledge for You

Personal Finance

We have all felt repercussions from the failing economy in one way or another. Many have resorted to bankruptcy, foreclosure and even job loss, therefore a popular term that you probably see quite frequently is “short sale”. A short sale ...

About 995 days ago by Joshua    0 comments

Life After Bankruptcy

Personal Finance

Bankruptcy should not rob you of rebuilding a fulfilling, financially-independent life. With some help on debt restructuring, money management and overall lifestyle changes, you can reestablish a good credit standing, save, and even invest.

Reentering the credit world

Applying ...

About 1010 days ago by Stephanie    0 comments

Overdraft Protection No More, Unless You Opt-in Of Course

Personal Finance

For years now financials institutes, especially banks have taken advantage of the fees gained from overdraft protection and similar services. Just in case you aren’t familiar with the term, overdraft protection will pay an item if there aren’t sufficient funds ...

About 1013 days ago by Joshua    1 comments

4 Things You should Never Buy New

Personal Finance

1. Books – This goes for students especially considering books can cost thousands of dollars by the time you acquire your degree. It’s not so much that books depreciate quickly like many things do, but how many times are you ...

About 1019 days ago by Joshua    0 comments

Choosing a Bankruptcy Attorney

Personal Finance

Your bankruptcy lawyer can make or break your case, so choose him wisely. Do not settle for inferior legal services just because you don’t think you can afford good representation. With some know-how and a lot of determination, you should ...

About 1019 days ago by Stephanie    0 comments

Step By Step IVA Plan

Personal Finance

Before you go into an Individual Voluntary Arrangement (IVA), make sure you qualify for one. Generally, IVAs are recommended for those who owe more than 16,000 monthly, and who can afford at least 25 percent of the debt within five ...

About 1020 days ago by Stephanie    0 comments

Pay off Your Credit Cards or Save, That is the Question

Personal Finance

Having been in the financial world for many years, and with the ongoing recession, I’m often asked a popular question. “Should I pay off my credit cards or save”? That’s a very good question, especially considering that credit cards along ...

About 1021 days ago by Joshua    0 comments

Understanding Bankruptcy

Personal Finance

Since bankruptcy is such a popular topic with the weak economy, we figured we would touch base on it a little more over the next couple weeks. Declaring bankruptcy may or may not be the answer to your financial problems, ...

About 1024 days ago by Stephanie    0 comments