Managing Debt

The Costs of Filing Bankruptcy

The Costs of Filing Bankruptcy

There are many costs associated with filing bankruptcy. Some of these include filing fees, attorney fees, and trustee fees. While you may be considering bankruptcy as a way out of debt, it is important you weigh all the risks including understanding the fees you will... read more
The Effects of Bankruptcy on Your Job

The Effects of Bankruptcy on Your Job

If you have recently filed or are considering filing bankruptcy, you may be wondering about the effects it could have on your job as well as future employment prospects. Let’s look at what you can expect after filing bankruptcy. Your Current Job is Safe Let’s get the... read more
What Is a Minimum Payment?

What Is a Minimum Payment?

If you have mounting credit debts, you have likely become familiar with the minimum payment. But what does making the minimum payment really mean, and what happens when you are unable to make it on time? Let’s look at how minimum payments affect your bottom line. What... read more
Understanding Medical Bankruptcy

Understanding Medical Bankruptcy

While medical bankruptcy is not a specific category of bankruptcy, you can still file bankruptcy for relief from medical debt. This simply means you won’t get to choose which debts are included in your bankruptcy, but your medical debts could still be covered. Let’s... read more
Filing for Bankruptcy Without a Lawyer

Filing for Bankruptcy Without a Lawyer

Facing bankruptcy is a frightening proposition and should be avoided at all costs. If you have exhausted all other options and are left with only bankruptcy, you may be wondering if you should contact a bankruptcy attorney. Let’s address the pros and cons of... read more
4 Reasons to Avoid Cash Advances

4 Reasons to Avoid Cash Advances

Cash advances can seem tempting when the budget is tight and unexpected expenses pop up. While it may seem like the right thing to do at the time, a credit card cash advance will never work in your favor. In fact, it is one of the worst forms of credit available to... read more
Smarter Holiday Shopping

Smarter Holiday Shopping

The holidays are almost here, and for those struggling with credit debt it can be a very difficult time emotionally and financially. But with some careful planning and a healthy dose of discipline, you can enjoy the holidays with everyone else without breaking the... read more
How to Talk to Utilities Companies About Hardship Rates

How to Talk to Utilities Companies About Hardship Rates

Gas, electric, and even some water companies have Customer Assistance Programs. These programs are usually available to low-income customers who are experiencing financial hardships and are unable to pay the full monthly bill. Let’s discuss some things to keep in mind... read more
5 Reasons Debt is More About Behavior Than Money

5 Reasons Debt is More About Behavior Than Money

While our finances will always be impacted by external events such as the loss of a job or an unexpected expense, these incidents are not the root cause of debt. You can find yourself in over your head with massive credit debts no matter how much money you are able to... read more
5 Tips for Living with Stress When You’re in Debt

5 Tips for Living with Stress When You’re in Debt

Dealing with financial hardships and working to overcome credit debt can be stressful. This stress can build up over time and lead to negative health effects. Taking time to understand and alleviate sources of stress can go a long way toward maintaining a positive... read more
3 Financial Mistakes Not to Make in 2019

3 Financial Mistakes Not to Make in 2019

If you are like many Americans and looking to push reset on your financial future, you are going to need to avoid some common mistakes that can have long-term impacts on your finances. Let’s look at 3 financial mistakes that a bit of planning can help you avoid... read more
What Is my Debt to Income Ratio?

What Is my Debt to Income Ratio?

Before making a solid budget it’s important to understand your debt to income ratio. Let’s unpack what that means and how it affects the decisions you will be making regarding your finances. Understanding your finances is the key to making sound financial decisions.... read more

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By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.

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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.