If you have debt from more than one credit card account (or other unsecured debt loans), you receive a separate statement from each account every month. Each account will have a separate payment due with a specific due date, interest rate, fees and other terms. Photo by doyoubleedlikeme. As you accumulate more and more of [...]

The following is a guest post by Diana Perkins from Debt Consolidation Care, a debt community site. Photo by Jason Carter.   If you have overdue credit cards and personal loans, then you must be looking for some kind of debt resolution. If you think that you can’t afford to pay your dues in full, [...]

One of the most important concerns that consumers have is the impact debt settlement programs will have on their credit score. The important fact that needs to be understood is that a successful debt settlement program requires the consumer’s creditors to believe that they may not receive any money at all against the debt that [...]

Understanding the costs associated with a debt settlement program (also known as debt negotiation) is important, particularly for someone who finds himself in a debt crisis. While the costs can vary from company to company, typically they charge a percentage of the total debt you include in the settlement program. The percentage charged is normally [...]