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How to Handle Debt in Collections and Pay Less Than You Owe
Debt collectors can make a stressful situation worse. But you have rights and leverage to negotiate with them. Photo: jazbeck Debt collectors often make an already stressful situation — feeling stalked...
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The Best Debt Repayment Tools and Apps
The first major step toward reaching financial freedom is to regain control of your spending and pay off debt. However, this is often harder to do than it sounds. Thankfully, technology is making it a...
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Debt Snowball vs. Debt Snowflake: Which Works Best to Pay Off Debt?
Start digging yourself out of debt with either the ‘debt snowball’ or ‘debt snowflake’ method. Photos: redjar / Andrew Magill Being in buried debt and not knowing how to get out of it can be very...
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10 Steps to Rid Yourself of Credit Card Debt Forever
Want to attack your credit card debt? Stop carrying credit cards! Photo: Jeff Rose No one likes being in credit card debt. It’s one of the easiest payment methods for overspending, and yet is the most...
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The Importance of Your Personal Credit
Responsible use of credit cards can help build a good credit history. Photo: Sean MacEntee Even if you have a love-hate relationship with it, credit plays an important role in our lives and economy. It...
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Debt-Free Payment Methods: Alternatives to Cash
If you’re trying to slash your debt and protect against identity theft, there are alternatives to carrying a wad of cash. Photo: 401(k) Whether it’s Target, Home Depot, or Sony, it seems like every...
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How to Use a Line of Credit to Your Advantage
Your local bank or mortgage lender may be able to offer you a line of credit, though it’s not always advertised. In times of financial hardship or emergency situations, you may need assistance in...
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Back in Debt? A Strategy to Pay It Off for Good
Find yourself staring back at the same mountain of debt… again? Make a plan to get rid of it for good. Photo: Rick McCharles Debt is one of those things that’s very easy to get into and much more...
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Seven Things to Know When Filing for Bankruptcy
If you’ve talked to a lawyer about your financial situation and you’re sure that bankruptcy is the best option, here’s what you should know going into it. Photo: Robert Couse-Baker Filing for...
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