By: Rickert | July 20, 2017

When a debt exists there are two parties involved – the creditor, who is the source of the loan, and the debtor, who is the receiver of the loan. If you are a debtor whose loan or  credit card account goes into default, be prepared to face serious repercussions. But it’s never too late to get your payments back on track, and it’s much easier to accomplish when you’re dealing with the original  creditor.

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In fact, you should try to avoid having your debts sold to a collection agency at all costs. This one event can cause a ripple effect in many areas of your life, both financially and personally. Find out why it’s better to settle your debt before it goes to collections, and how exactly to negotiate with that original creditor.

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By: Rickert | March 12, 2017

“In order to pay less for basic services and be eligible for any type of financing or line of credit you need, it is important to maintain excellent credit ratings. As the economy is still shaky, lenders are tightening their standards and more industries are relying on credit scores before making any kind of financial decisions. Consumers continue to struggle with their credit profiles because it hard to keep getting the ends to meet. This means more bills are paid late or missed entirely, causing credit scores to decrease.

Every consumer has it in their power to repair their own credit. There is not necessarily a need to involve a third-party agency in order to improve one’s credit score. But because personal finance issues are often percei...

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