If your bills are piling up and you’re worried about losing your home, you’re not alone. As rising foreclosure rates indicate, thousands of Americans are touched by foreclosure every year. But many could be prevented, if homeowners sought help sooner from their mortgage company or...

When Debt Collectors Cross the Line Bogus Threats & Illegal Collection Tactics

If you are behind on your bills and on the receiving end of collection phone calls, you will probably hear collectors make some very threatening statements. While most debt collection professionals try to...

When Creditors begin Calling its Time to begin Credit Repair

This article explores the need for credit repair when creditors start calling. You will see a case study of how one can begin in debt just by paying the essentials but may be able to get out of debt by adjusting a few of those...

Americans hear a lot about the shaky outlook for Social Security. In the future, the federal program likely will play a smaller overall role in Americans’ retirement plans.

One way to fill in the gaps of a savings portfolio is to put money in annuities. With an annuity, you pay a...

What is true wealth? What should you expect if you reach the end of the gold paved road to financial freedom?

If you have a million dollars, will you be satisfied? What about 10 million? Is true wealth a numbers game or do other factors enter into the equation?

Ebenizer Scrooge of...

What is exactly is a cash structured settlement? Basically a cash structured settlement occurs when there is an insurance company that provides scheduled payments to a person as a result of a claim settlement. In other words, a structured settlement is a monetary package that allows for...

Recently I almost lose my job. It is cause by some misunderstanding. Luckily the misunderstanding got resolved and I manage to retain my job now. I am not here to talk about what is causing that misunderstanding. But I wanted to talk about what is my backup plan if I were to really lose my...

Have you ever found yourself asking this question?

If you have you are not alone. There are thousands of people who find themselves looking at their bank statements or calling their banks and asking this same exact question.

The problem is two fold. By this I mean, as consumers it...

Bad Credit Personal Loans have not only been designed to provide consumers with a personal loan despite their bad credit issues but these loans can also help you to get your credit back in good standing. Personal loans for people with bad credit can be used for any (personal) purpose and you...

Wealth Secrets of Millionaires: Become Wealthy By Not Repaying Your Debt

Wealth. Does that sound like a foreign word to you? If youre saddled with loads of consumer debt the way so many Americans are, it is probably a very unfamiliar word. Commercial and consumer debts are the greatest...

Any time of year can be the right time to plan your next vacation-and how to pay for it. Here are some tips for saving or earning extra money to help make this year’s vacation special:

• Set up a vacation “piggy bank” and contribute regularly. Make coffee at home...

There are several options available for you if you are in credit card debt and do not want to declare bankruptcy. One option is obtaining a debt consolidation loan and closing all existing credit lines. Debt consolidation is where you take a new unsecured loan and use the funds to pay off your...