Consolidating Debt
Is Debt Consolidation A Good Idea?
What Is Debt Consolidation? As of 2018, nearly 80% of Americans, across all generational demographics, carry some type of debt. Whether that debt comes from student loans, mortgages, credit card debt, auto loans or medical debt, more Americans are looking for ways to... read more
Financial Procrastination
Are you living with debt problems? Are you a procrastinator? You’re not alone. Despite recent upticks in the economy, Americans are more in debt than ever.
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Fixer Uppers vs. Move-In Ready Homes
Move-in Ready Homes There are two main reasons you’d need to buy a place that is ready for you to move in. FHA (Federal Housing Administration) loan restrictions Basically, you can’t buy a true fixer-upper with an FHA loan. There are provisions that exist to protect... read more
Understanding Home Equity
Home equity is the amount that your home is worth minus any outstanding mortgage loan balances. For example, if you purchase a home valued at $200,000 with a $150,000 mortgage, you have $50,000 equity in your home. Your home equity will most likely grow over time as the value of your home increases and as your loans are paid down or reduced.
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The Dangers of Only Paying the Minimum Payment
Most credit cards make you pay a minimum payment every month to keep your payment schedule current. This minimum is typically an amount based on a percentage of your balance but can be a fixed amount. If your wallet is tight, it can be tempting to only pay the minimum.
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Renting vs. Owning: 3 Key Considerations
Whether it’s your first time on your own or you want to make the switch from renting an apartment to owning your own home, housing decisions can seem both exciting and intimidating. The best way to make your dreams come true is through research of your needs and understanding of where you stand with your budget and own future plans.
read moreBest Affordable Fun Spring Activities
With the arrival of March comes springtime, bringing with it warmer temperatures, greener lawns and lots of color to the outdoors. At this time of year, nature beckons to families who have been cooped up in the cold to reconnect with one another in the sunshine. Lots... read more
Spring Cleaning | 3 Household Items to Sell for Cash
Easy ways to turn your unwanted household items into extra funds The spring season brings a much-needed feeling of revitalization after winter’s long snowy months. One way to bring that sensation into your home is with a spring cleaning. This doesn’t just mean... read more3 Strategies for Dealing with Holiday Debt
The holiday season is a festive time of year filled with valuable family time and an endless supply of unforgettable memories. For many, these feelings of seasonal happiness may have caused you to lose control of your holiday spending. There is nothing to be... read moreHow to Know When It’s Time For Debt Consolidation
Living with debt is a juggling act. You are asked to make large debt payments every month on top of your regular living expenses— like food, child care, gas, and utilities. This is a disastrous recipe for missed payments. As months go by without decisive... read moreHow to Get Collections Agents to Stop Calling!
Living with extreme debt is an all-encompassing experience. It can feel like there is never rest from your ballooning financial obligation. Every hour is filled with dread as your owed accumulated amount grows. It’s not uncommon to have difficult feelings during this... read moreFinancial Reboot: New Year’s Financial Planning
At the start of every new year, many make resolutions to better themselves in the upcoming twelve months. A favorite new year’s goal for those living with debt is to transform their financial situation for the better. The goal is admirable in theory but... read more
Find Debt Relief Today!
Find Debt Relief Today!
Certified Credit Counselors are available Monday - Friday 8:00 am - 8:00 pm Eastern.
Also See…
For more information on debt consolidation, please visit:
Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.
The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).
Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.
