Debt Relief

What is a Charge-Off? Why is It on My Credit Report and How Do I Get It Removed?

For borrowers who have been struggling with debt and poor credit, this is what you need to know about a “charge-off” posted on your credit report. While the simplest way to get a charge-off removed from your credit report is to pay it, there are a few options for removing the charge-off without paying. What …

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Types of bankruptcy

Types of Bankruptcies Explained: Which (If Any) Fits You?

Do you have severe debt problems? Are you underwater with credit card debt, have a mortgage you can’t manage, unpaid medical bills, outstanding personal loans, and other unsecured debt, or have your wages garnished? According to statistics released by the Administrative Office of the U.S. Courts, the September 2021 annual bankruptcy filings totaled $434,540. Filing …

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How to Get Out of Credit Card Debt Without Paying It All (Or Ruining Your Credit)

Credit card debt is one of the most common types of consumer debt out there. The average American household owed $8,701 in credit card debt in 2021. For many people, especially those with multiple high-interest credit cards, paying off this debt is a struggle. Fortunately, if you’re looking for ways to get out of credit …

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