Debt Validation Letter

Reasons you should write debt validation There are chances that your credit statement shows the collection of debt. Which can have a bad effect on your credit score. Some debt collectors are very aggressive and will collect any debt. The debt can be the debt that you never owned or else you have already paid.

debt relief

Are you facing a problem paying off your debts? This can be because of a mountain of debt that you are facing. To break the chain and put an end to this debt, you must try some debt-relief options. These options help to change the terms or amount of your debt. So you can stand

start an emergency fund

We have all experienced an unanticipated monetary Crisis- a fender bender, an unforeseen medical bill, a shattered appliance, a loss of earnings, or indeed a broken cell phone. Large or small, these unintentional costs constantly feel like they hit at the worst times. 40% of American grown-ups would not be capable of covering a 400

debt to income

  The debt-to-income (DTI ) ratio may be a metric employed by creditors. Also, this stands to work out the power of a borrower to pay their debts and make interest payments. Moreover, the DTI ratio contradicts the monthly debt payment of an individual to his or her monthly gross earnings. It is a key

When your bank account does not help you achieve your long-term goals, you naturally rely on getting loans from the bank. It can be for student loans, medical bills, and so many other things. All is good if you can clear all your loans away. However, the problem arises when you cannot do so. As

Credit counseling

A definite Guide on Credit Counseling

In 2016, U.S. Bank carried out a survey in which they observed that while Americans have been positive about their financial futures, they felt some distance from achieving their potential. Almost 1/2 of the people polled expressed difficulty about paying their payments and only 41% had installation a budget. While the survey talked about what


As human beings, we all have some desires. And while fulfilling those dreams we may end up in debt. And the journey after taking debt is not an easy one. The stress of debt can be overwhelming. And can also become the reason for anxiety and a depressed state of mind. After taking a debt,


Worried about your unpaid loan? Tight finances affecting you mentally or physically? Financial problems and stress related to them is a global problem. A study by the American Psychological Association showed that more than 70% of Americans feel stress about monetary problems. Though the question of money remains in the center, many other questions are

You have been waiting for a long time for the status of your mortgage application. When it takes longer than usual, you start getting anxious. Then, at last, you hear from the bank- only to find out that the bank has rejected your mortgage application. In situations like these, people will be disappointed, which can

debt settlement

Debt settlement is a negotiation where the lending party agrees to clear the loan for lesser money that you own on your word that you would pay it back along the way. Debts are settled by debt settlement companies that act as a third party between the borrower and lender. The debt settlement process comes

Erasing the word DEBT with a pencil eraser

Get rid of your debt fast

All of us want to steer a cheerful and prosperous life. Every day we want different things and the needs never end!! Meanwhile, at certain times we try to get some things that cost us extra. Similarly, this desire of us wanting more sometimes leads us to take debts and then fulfill them. Nonetheless, debt

debt companies

Debts can be fun when you are acquiring them but they are not when you retire them  Most of the start-ups face the problem of deciding how they will acquire capital for their business. And these days almost every other start-up chooses debt financing. Debt Finance is the money that you borrow from banks or other

questions about credit score

For most people, to think about their credit and attempting to improve it usually is not a good time. But credit is so essential that when in need, let’s say when it is time to buy a house or a car people will wish that they had given it some thinking. Ultimately, having a good

To apply for loans or credit cards maintaining a good credit score is essential there are plenty of things that can be done to maintain a perfect credit score that is so hard to build, and one excellent reason why it should be done is money. There are many advantages of having a perfect credit

 In the world of investing, buying, and selling, there may be instances where you would require a loan. One of the primary conditions that make you eligible for a loan is a good credit card score. Credit scores range from 300 to 900 and anything beyond 620 is impressive and trustworthy. Any score below 300

Consequences of missing one or more credit card payments After one missed payment, there will be a charge of a late payment fee of up to $40. If subsequent payments within six months are not complete, the charge will be up to $40. The fee keeps compiling to the balance and starts accumulating interest based on

Applying for a loan can be nerve-racking, especially when it comes to technical terms like interest rates, payment terms, prepayment penalties, term, amount, payment schedule, etc. Although these terms are essential, you should know each of them before applying for a loan. People tend to focus more on the advanced technical terms related to a

What is financial literacy: Financial literacy is a concept or skill to learn in today’s world. Moreover, financial literacy helps you to improve your financial intelligence. Financial literacy is nothing but a set of skills that makes you achieve your financial goals. With financial knowledge, you learn to control your money by yourself.  Financial literacy

Loan, money concept

Repayment capacity measures comprise the capital debt repayment capacity, capital debt repayment margin, replacement margin, term debt, and capital lease coverage ratio. Capital debt repayment capacity, capital debt repayment margin, and the term debt and capital lease coverage ratio mark a borrowers’ capacity to repay operating loans. Also, to protect the current part of principal and

Credit repair plate in a office

Credit is an essential factor when buying, leasing, and purchasing a new vehicle. It makes sense that we as consumers can look as clean as possible on paper and resolve issues as quickly as possible. Checking your creditworthiness from time to time is a good idea. But what if you find things on our credit



Schedule A Consultation

Your first STEP towards a DEBT-FREE life