Managing Debt

The current statistics are staggering. As of July 2012, credit card debt is reported as a whopping $791.3 Billion. Average Household debt stood at $54,000 with the average credit card debt per household at nearly $15,800. We here at PaydayLoansCashAdvance, are more than just a payday loan /cash advance company. We’d like to help you to manage your debt so that you don’t have to be one of the statistics. To do this, we’ve compiled a number of articles on debt management and hope you find them helpful.

Dealing with Cruel Debt Collectors

The pressure of rising debt is enough to put a knot in anyone’s stomach. Whether you’re dealing with post-holiday debt, debt from a big occasion or vacation, or find yourself racking up debt due to lack of income, you can feel as if your back is against the wall. To make matters worse, debt collectors can often be unfriendly, unkind and downright cruel. Read more

Debt Consolidation, Debt Settlement & Bankruptcy – Which is Right for You

There are times when you may have to make more long term decisions to resolve your financial problems. Everyone has their own particular circumstances, and thus, an appropriate path for one person may not be the best path for another. You do however have options in dealing with a difficult financial situation. We are here to help you figure out which option is best for your unique situation. Here are some choices to help you decide which one (or ones) fit your situation the best. Read more

Getting Ahead of Credit Card Debt

When you have credit card debt, it is important to take measures to keep the debt under control. You need to stay ahead of the debt rather than allowing it to grow. Credit cards often have high interest rates and denying the problem can result in gradually making it challenging to keep up with the payments. Although it will take some time, getting ahead of your credit card debt is not as hard as it sounds. Read more

Good and Bad Debts – Telling the Difference

The word debt often carries with it many negative associations. Debt is usually touted as something that you never want to have and you should do everything in your power to avoid. To some extent this is true; however, without any debt you will not be able to build a credit score. By having debt, you prove your capabilities of being able to pay back loans on time. Having a good credit score can also impact your employment eligibility and even affect if you are able to get a cell phone. Read more

Keep Student Loan Debt Down

The costs of college keep rising each year, forcing more and more students to rely on student loans in order to afford an education. Student loan debt is a difficult challenge for students to deal with after graduation, so it is important that everyone enrolled at a community college or university works hard to keep their student loan debt to a minimum. We offer our clients the following tips to help them reduce student loan debt and live a more fiscally responsible life. Read more

Manage your Debt – The Basics

Debt is a problem that people of all backgrounds and income levels experience. Whether it’s a small sum or a very large amount, debt can feel like it’s taking over your life and holding you back in many ways. Fortunately, there are several savvy and effective debt management strategies that can give you the tools you need in order to eliminate your debt for good. Take a look at these methods that can set you on the right path toward being debt free. Read more

Managing Your Deceased Loved Ones’ Debt

When a spouse, parent, or sibling dies, their debts often fall right into the lap of the remaining family members. Managing debt for a deceased relative is tricky both emotionally and logistically. At PaydayLoansCashAdvance, we understand how hard this can be, and we have put together a few guidelines to help you understand what you may encounter when managing the debts of deceased loved ones. In certain situations, you may even want to hire a debt lawyer to help you create your debt management plan. Read more

Medical Debt – Finding the Cure

Medical debt can be one of the most frustrating types of debts that most consumers face. Trying to juggle bills while you are dealing with an illness or healing from injury or illness can be disheartening. We understand how hard medical debt can be to manage, and we have compiled a few tips to help you cure your medical debt. Read more

Public Service Jobs Relieve Student Loan Debt

College is expensive, and tuition rates are only going up. If you want a formal education and a college degree, it’s going to cost you, whether you’re kicking your college career off at a community college or heading straight to the Ivy League. Decreasing the amount of your student loans allows you to get an education without student loan debt that will follow you around for the rest of your life. Grants and scholarships are the best ways to limit the amount of money you have to borrow up front, while the federal government’s Public Service Loan Forgiveness Program limits how much borrowed money you have to pay back. Read more

Reducing Your Debt – 5 Helpful Tips

If your debts are getting hard to manage or you are ready to start working on repaying your debts, then recognizing the options that can help will make it easier to get started. Debt reduction can take many forms and you have several options available that will work around any situation, even if you have missed a payment on loans or credit cards. You can reduce debt if you know the options that are available to help you get started. Read more

Selecting a Debt Relief Service

Regardless of whether the economy is booming or depressed it can be easy to fall into a routine of overspending that will quickly leave you with more debt than you can handle. Even those who may have started out with an educated plan for budgeting and managing money can find themselves in need of debt relief. Anyone in this situation shouldn’t feel ashamed or defeated. Almost everyone these days — including the government — is in the same boat and the sheer number of debt relief services and credit counseling agencies doing a thriving business attest to that fact. Read more

Spotting a Debt Collection Scam

We are here as both a resource for loans and as a place for information. On PaydayLoansCashAdvance.com, it is our goal to provide you with the best in payday loans, whatever the reason for the financial need. Our customers may very often be using a loan to take care of a debt collection need, but we want to help our customers make certain that it is a legitimate debt collection rather than one of the debt reduction scam types that have proliferated in recent times. Following you will find some tips on spotting a debt collection scam. Read more

The Right Time to File for Bankruptcy

Are you at the point where you can no longer juggle your bills and your negative cash flow is impossible to overcome? When you have problems paying your debts, are threatened with garnishment, foreclosure or if repossession appears to be immanent, bankruptcy may be the best way to deal with these problems. We’ve gathered the following information to help you decide if it’s the right time to file for bankruptcy. You may have no choice but to file bankruptcy, but choosing the right time to do it is very important. Read more

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