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Two young adults engage in budgeting and financial planning while smiling.

Financial Planning In Your 20s

By Bents Dulcio | April 24, 2025

Your 20s are an exciting time – fresh starts, new jobs, and freedom that feels limitless. For many young adults, it’s easy to push financial planning to the back burner.…

Woman calculating bills and credit cards representing delinquent accounts.

How to Handle Delinquent Accounts

By Robert Shaw | April 24, 2025

Better-late-than-never is a popular idiom, but it isn’t particularly helpful for the millions of Americans who’ve fallen behind in credit payments and face the financial consequences of delinquent accounts. An…

Woman on the phone with a credit card in hand representing calling to negotiate.

How to Negotiate a Lower Minimum Payment on a Credit Card

By Tom Jackson | April 24, 2025

When it comes to paying credit card bills, millions of Americans are just scraping by. They make only the minimum monthly payment, and that’s often a stretch. The good news…

Illustration of broken piggy bank with a bandage representing bankruptcy recovery.

How Long Does it Take to Recover From Bankruptcy?

By Tom Jackson | April 23, 2025

Anyone enduring, or anticipating, the financial squeeze of personal bankruptcy may rightly wonder whether there is life on the other side of this wringer. The good news is there is,…

Launch into Debt Relief – EBG Partnership

By Devin Joy | March 28, 2025

Launch into Debt Relief 50% Off Setup Fee FREE one-on-one, customized budget counseling Customized financial solution options based on needs Nonprofit debt relief company with super low fees Hardship programs…

Female hands with multiple credit cards on color background.

How Many Credit Cards Should I Have?

By Tom Jackson | March 21, 2025

Credit cards are wonderful inventions. They make purchasing anything convenient and nearly fraud-proof. They’re portable and online-friendly. Many offer rewards or cash back. When used properly, they help consumers build…

Young woman checking and calculating credit card payments at home.

How to Lower Monthly Credit Card Payments

By Bents Dulcio | March 19, 2025

If your monthly credit card payments are choking your budget, you’re not alone. Almost half (48%) the credit card users in the U.S. carry a balance from one month to…

Realistic 3d render of credit card with red cross mark and exclamation sign.

Why Did I Get Denied for a Credit Card?

By Alan Schmadtke | March 19, 2025

The two biggest reasons companies will deny you a credit card are low credit scores and poor credit history. Other reasons for credit card denial include low income and too…

Man Reading Debt Collection Letter.

Should You Pay Collections?

By Tom Jackson | March 18, 2025

If a debt collection agency is harassing you to pay a long-overdue bill, a slightly edited version of Shakespeare’s “To Be” soliloquy probably comes to mind. “To pay or not…

Debt Management vs Bankruptcy

By Tom Jackson | March 12, 2025

When faced with overwhelming debt, many people think bankruptcy is their only way out, but there’s another option you may not have heard about. Debt management is a debt relief…