Author Archives: dorrub

A Debt Settlement Program is designed for consumers with serious unsecured debt (credit cards, medical bills, unsecured loans) problems. These programs are for individuals who  no longer have the income to pay the minimum monthly payment towards their debt and … Continue reading →

If you have burdening debt there is help available through Debt Management & Debt Consolidation programs form DEBTMA™. With DEBTMA™ Debt Management Programs you are able to: Reduce or eliminate interest charges (debt consolidation) Stop harassing creditor calls (debt consolidation … Continue reading →

As more and more consumers carry more and more debt, it is not surprising that people sometimes find themselves falling behind and unable to make their various payments on time. It is not difficult to ruin your credit by simply … Continue reading →

Since 2009 families across America have suffered wide spread job loss. This has greatly impacted the amount of unsecured debt each family holds. Families turned toward credit cards as a means of supplemental income for daily living expenses., using credit … Continue reading →

It is easy to get yourself into credit card debt. Over spending, impulse purchases or unfortunate circumstances can be a culprit for debt accumulation. Not everyone who has high interest rate unsecured debt is simply irresponsible. Many people accumulate debt … Continue reading →

As you may have read, the savings rate for people today is at its lowest point in many years, maybe at its lowest point ever. Many people do not even have the two to three months of wages put aside … Continue reading →

If you are considering getting a MasterCard or you are having difficulty in meeting your monthly obligations due to credit card debt there are several things you need to know and understand about MasterCard and how a MasterCard works. First … Continue reading →

Student debt has become a very pervasive element in the lives of many recent college graduates. According to the U.S. Department of Education, “16 percent of borrowers (graduates) were debt free after completing a bachelors degree. 51 percent had a … Continue reading →

Aside from the typical grind of cramming for finals, students looking to graduate in December or May have a bit more research hanging over their heads. A recent study released by Nellie Mae, the nation’s largest nonprofit provider of student … Continue reading →

There are scores of consolidation companies targeting the hundreds of thousands of people that can’t seem to keep the reins in on their credit card spending. Do you feel like your credit is spiraling out of control? There’s no need … Continue reading →

The cliché expression, “The only constant in life is change,” proves true in the analysis of the debt levels of American society throughout the past couple of centuries. Chronologically coinciding with shifts in political leadership and major international events, America’s … Continue reading →

It seems like everyone is wiling to provide you with budgeting advice. Everyone from dear old dad to old Uncle Morty has something to say about how you spend your money. You may think you know where your money is … Continue reading →

With inflation rising faster than wages for several years now, it is no surprise that more and more people are borrowing more and more money just to meet daily living expenses. While our parents may have only gone in debt … Continue reading →

There is no doubt that the recent decades have been witness to an explosion in levels of credit card debt among consumers. The relative ease of obtaining credit cards, coupled with the anemic growth of wages and the wealth of … Continue reading →

Only a few generations ago, consumer debt was a relative rarity. Our parents and grandparents generation was reluctant to take on debt. For many people in their generation, the only debt was their mortgage, and even that was entered into … Continue reading →

We understand it may not be your fault you’re living with bad credit. Sometimes circumstances arise within our lives that we have no control over. Divorce, death, medical problems, loss of a job; there are innumerable circumstances that can contribute … Continue reading →

To ensure that you are making the right choice in choosing a debt settlement company here are five things that the debt settlement provider must tell you up front. If they do not do so they may be fraudulent, deceptive … Continue reading →

There is no doubt that being denied credit can be a traumatic experience. Credit denials can range from the merely annoying, like not getting that shiny new credit card, to the truly devastating, like being denied a mortgage on the … Continue reading →

Do you feel overwhelmed by the amount of debt you owe? Do you lie awake at night wondering how you will pay the rent, the car payment or the mortgage. Do you worry constantly about having enough money? Are you … Continue reading →

These days having at least one credit card is just about a necessity. From booking a hotel room to buying a plane ticket to renting a car, it is just about impossible to travel without one. Many other facets of … Continue reading →

Just like any other service, there is a right way and a wrong way to utilize the services of a debt counseling service. Using these services the right way can allow a consumer to not only get out of debt … Continue reading →

The past several years has seen a virtual explosion in the use of credit cards. While credit cards used to only be accepted at certain stores, these days credit cards can be used virtually everywhere, from the gas station to … Continue reading →

It is no secret that consumers these days are carrying more and more debt. At the same time, personal savings rates have never been lower. It does not take a financial expert to see the problem with this situation. As … Continue reading →

More and more consumers today find themselves in the uncomfortable situation of only being able to afford the minimum Payments on their credit cards. Or, even worse, not being able to afford even the minimum payments. In today’s world, it … Continue reading →

When people find themselves in a financial mess, it is easy for despair and even panic to set in. You may wonder how you will ever pay off what you owe and get back on track. For those in this … Continue reading →

It is no secret that most people have too much consumer debt. It is all too easy to just sign your name on the dotted line and run that credit card up to the max. Unfortunately, many users of credit … Continue reading →

Did you know that the most frequent reason cited for the breakups of marriages is financial problems? It’s true. More than adultery, religious difference or difference in values, problems with managing money is most likely to doom a marriage. In … Continue reading →

On average most households in the United States have at least three credit cards. There are 609.8 million credit cards held by U.S. Consumers with an average APR of 13.67%. It is easy to see why the nation is in … Continue reading →

For many years now, the rate of consumer debt has been growing steadily, year after year. At the same time, rates of personal savings have been declining, thus leaving people with a smaller and smaller cushion to help them through … Continue reading →

One thing our culture has become proficient at is developing measurement systems. We have precise measurements of health like the thermometer to take our temperature and other medical tools so we always know in precise terms how our body is … Continue reading →

It is not hard to get into debt over your head. Even if you are normally very good with money, a sudden job loss or medical emergency can quickly cause your finances to spiral out of control. It is important … Continue reading →

If you are stuck with a bunch of old debt and find yourself using your credit cards to finance this debt, you could be doing yourself a grave financial disservice. Using credit to pay off old debt is almost never … Continue reading →