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Is a debt relief program your best choice? Find out the pros and cons of each option so you can pick the path that’s right for you.

Hardship programs for debt.

Credit card debt forgiveness can happen through bankruptcy or debt settlement. Debt settlement means negotiating a lower payoff for your credit card debt. Bankruptcy...

If you're struggling with your debts, one option is to enroll in a debt management program, which may help you with a debt strategy and get better rates.

Freedom Debt Relief shares our client stories of facing down debt and moving to a…

Learn how the Paycheck Protection Program Flexibility Act of 2020 compares to the PPP in…

This infographic of a 2017 study by the American Fair Credit Council (AFCC) shows how…

What is the American debt crisis, and what can you do to become less of…

Many people who have debt problems often suffer from a bad credit profile as well.…

Learn what might happen if you ignore your credit card debt, and the best ways to handle it.

What is a 401k plan? If you're just starting out, or even if you have been working for a while, learn more about using a 401k to save for your retirement.

Secured credit cards can help you start building or rebuilding your credit in a matter of months. Discover how they work here.

Whether you clip them out of newspapers, flyers, grab them when you enter the store,…

Hardships are never easy to experience, but you may be able to weather the storm with these options.

Significant consequences can result from having a negative bank account, including fees. You can fix a negative account by transferring money from another account, avoiding transactions with the overdrawn account, and other strategies.

Unemployed with credit card debt? Here are ways to manage it: contact creditors, apply for aid, budget, avoid adding debt, and consider consolidation

When should you validate a debt? When a debt collector contacts you, respond within 30 days or they may assume the debt is legitimate. Learn how to validate a debt.

When can a bank take your money; can debt collectors take money from your bank account.

You can still access debt relief if you’re unemployed, but you have fewer options. Discover how you can manage debt while jobless.

You can't raise your credit score 100 points overnight; however, there are several steps you can take to improve...

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

Is being debt-free a good goal to have? Debt-free living does not mean never borrowing — it means managing your borrowing and developing good spending habits. Learn…

Debt settlement could substantially reduce the amount of debt you owe, but how does it work? Learn about Freedom Debt Relief’s 4-step process.

While very rare, the lowest possible credit score is 300. However, any credit score under 500 is low and under 580 is sub-prime. A low credit score can…

Payday loans and cash advances are very expensive. Payday loan consolidation can give you a lower interest rate and more time to repay your debt.

A well-written debt settlement letter is crucial to the debt negotiating process. You should outline the details of the debt-settlement offer and the terms...