Getting out of Debt

How I got off and stayed off the credit grid. A bit of shared life experience regarding personal debt and how I dealt with it. I hope young adults currently free of excessive debt give this a read and find it useful.

When you are young it is easy to overspend. It took me four years and the help of a nonprofit to walk back out of that hole.

I am not rolling in "Benjamins." I am about to graduate with a Master's in Psychology from Ashford, and I got cold sweats and some heart palpitations when I saw how much I owed Ashford, so I set off to do some research to find out what my options were.

The purpose of this article is to clear up some misinformation in regard to debt validation and to provide facts based on the Fair Debt Collection Practices Act and court rulings.

There are many ways to repair your credit score. Fingerhut was our first credit repair attempt and it worked!

Whether the annual income for an American family is $20,000 or $200,000, they are likely to spend most of, all, or more than what they earn.

Read on learn how to remove medical debt collections from your credit report, handle debt collection agencies, and improve your credit score.

Controlling your money can help you get out of debt. Don't let debt control you. Take control of your finances instead of finances controlling your life. Learn to budget and save for your future dreams.

Since my bankruptcy less than two years ago, I’ve brought my FICO score up to 730, which is in the ‘good’ range. In this article, I will outline the five simple steps I took to get a good FICO score after bankruptcy.

Do you need to write a letter to a collection agency to tell them to stop harassing you, but you don’t know what to write? Need a sample letter to help you put it together? Read this article about dealing with collection agencies, and get some sample letter ideas you can use for inspiration.

If you want to get out of debt fast, you have to stop using credit cards and loans. I give you advice on money management so you can learn how to pay off your loans faster. How do you negotiate credit card debt on a low income?