Debt

Debt Consolidation For Beginners

Debt Consolidation For Beginners

Being in debt can be a scary place and it can be hard knowing what to do about it and which way to turn. One method for helping you to manage your debts is through debt consolidation and here we will explain what it means. What is Debt Consolidation? In short, it usually takes the […]

Recovering From Credit Fraud

Recovering From Credit Fraud

Identity theft and credit card fraud is one of the fastest-growing threats to personal finance today. Latest figures for credit card fraud are estimated at around 39% of fraud cases in the UK for 2018 according to Which? magazine. It helps to know what credit fraud is and what you can do if it happens […]

Signs Your Debt is Getting On top of You – and What to Do About It

Signs Your Debt is Getting On top of You – and What to Do About It

Are you suddenly finding it difficult to juggle your finances but are not sure why? Here are some of the warning signs you may have missed which tell you that debt is beginning to overwhelm you. No Money Left at the End of the Month This is a major red flag which should never be […]

What to say to creditors when you can’t make your payments on time

What to say to creditors when you can’t make your payments on time

Being in a position where you are unable to pay your creditors what you owe them can be incredibly stressful and difficult. Here we look at the things that you should be doing and discussing with your creditors if you find yourself in this tricky situation.  Be honest Your creditors need to know what is […]

Easy Tips for Reducing Credit Card Debt

Easy Tips for Reducing Credit Card Debt

If you’ve gone a little overboard with your credit card spending you’ll be all too aware that while it’s easy to spend, it’s not so easy to pay off. But don’t worry because there are some surprisingly simple ways for you to manage your credit card debt and get your finances back on track. Increase […]

4 Ways to improve your credit score

4 Ways to improve your credit score

When it comes to deciding how likely you are to repay a loan on time, or even whether they should grant you a loan, lenders look at your credit score. This a three-digit number that can help them assess the risks of lending to you. The higher your score, the more likely they are to […]

Debt Consolidation – Is It Right For You?

Debt Consolidation – Is It Right For You?

Debt consolidation is a solution of personal financing in which all the small debts from various lenders are consolidated to single debt and then that single debt is paid for. Debt consolidation loans are generally of two kinds home equity loans and personal loans. In home equity loans creditor will lend you against your property, […]

Debt Help: A Simple Guide

Debt Help: A Simple Guide

For those in search of help with their overwhelming debt here is a simple guide to assist you through a variety of different debt issues to find solutions that are right for you. There are individuals who are in debt to such a level that they cannot afford to make the regular repayments that are […]

Settling with Lenders: Effective Ideas to Get Out Of Debt

Settling with Lenders: Effective Ideas to Get Out Of Debt

Here are a few tips and money advice which help when negotiating with your creditors. If you have personal difficulties with credit card debt or perhaps a personal loan, it can be overwhelming. But the earlier you begin to negotiate with your creditors and let them know you are struggling with your debt, the sooner […]

Individual Voluntary Arrangement or Debt Relief Order, which is best?

Individual Voluntary Arrangement or Debt Relief Order, which is best?

IVAs (Individual Voluntary Arrangements) and DROs (Debt Relief Orders) are two types of bankruptcy – two methods for legitimately recognizing that you can`t reimburse the cash you owe. IVAs and DROs can both discount the unsecured debt you are not able to reimburse. They will both show up on your credit record for a long […]

Are Debts Written Off by Creditors?

Individuals’ writing off debt is a discouraging sign; a lot of individuals are out of work due to the declining economy. Before the economy got so bad, a majority of families had accumulated large amounts of debt that did not concern them because they knew that they would be able to come up with the […]

When to Consider the Debt Settlement Option

Many of us consider shopping as one of our passions, but this has brought a huge problem to several people.  This has caused many people to overspend and, likewise, left them with a mountain pile of credit card bills.  There are those that are lucky enough to know how to control themselves from swiping their […]