Settlement or a repayment plan? Know what actually changes.
Similar names. Very different decisions. Start with the balance, the payment and the tradeoffs.
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THE DEBT GUIDE
Less jargon. More understanding.
Straightforward guides for the questions that come up when debt gets complicated.
11 useful guides
What to say when you call your creditor.
A practical script for a difficult conversation, plus the questions worth asking before you agree.
Before you hire a debt settlement company, ask these questions.
Understand costs, creditor participation and what happens if the plan does not work.
Find the number that matters before choosing a debt program.
Your monthly breathing room is the starting point for an affordable next step.
Sued over a debt? Start with the deadline.
A settlement inquiry does not replace a response to court papers.
Before you pay that medical bill, check these five things.
Accuracy, insurance and assistance can matter more than a new payment plan.
Owe the IRS? Know your options before paying for help.
Start with the notice and the direct options available from the IRS.
Business debt: gather these documents before your next call.
A useful review starts with contracts, cash flow and what you may have guaranteed.
What to bring to a bankruptcy consultation.
Prepare for a useful legal conversation without deciding the outcome in advance.
A lower settlement amount is only part of the cost.
Add fees, account costs and uncertainty before comparing a proposal with your budget.
Homeowner debt options: mortgage trouble and credit-card debt are different decisions.
Separate the home loan from unsecured balances, find the right kind of help and compare what each proposal actually changes.
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