Enticing Promotional Credit Card Offers And Bankruptcy
Introductory 0% APR Interest: New Purchases & Balance Transfers In a rush to attract new customers, many credit cards companies offer 0% APR incentives for limited introductory periods. Some cards offer the introductory 0% APR only on either purchases or balance transfers, but not both. A few cards offer an intro 0% APR on both. […]
What Is The Difference Between Debt Settlement, Debt Consolidation and Credit Counseling?
When struggling with debt, consumers often do not know what their best options are. There are three different services that some of our clients frequently consider before filing for bankruptcy: Debt Settlement, Debt Consolidation and Credit Counseling. These terms are sometimes used interchangeably but they are indeed different and have very different costs, effects and […]
What Is Worse For Your Credit, Bankruptcy or Debt Settlement?
Many people wonder what their options are when they are struggling to pay their bills? Financial hardship can stem from various factors that ultimately result consumers finding that their debts have spiraled out of control. A few examples of such hardships may include: the loss of a job, a reduction in the availability of overtime, […]
Managing Debt After The Holidays (Holiday Debt)
The temptation to overspend during the holidays can be strong. Promotional credit card offers with 0% APR financing and other holiday sales and promotions can make that temptation even stronger. Holiday spending is increasingly taking place using credit, debit and prepaid cards. According to The Nilson Report, over the last year, consumers have increased their […]