Betsalel Cohen
Passionate about helping people improve their finances. Worked in mortgage banking, private banking, and personal financial coaching. When he is not working, he loves running and spending time with his family.
American Debt Relief Review July 2026Jul 1, 2026
Is American Debt Relief the right fit? We reviewed the fees, customer ratings, and real risks so you can decide before you call.
Americor Debt Relief Review July 2026Jul 1, 2026
Americor debt relief review—how the program works, what it costs, the credit impact, and whether it fits your situation.
National Debt Relief Review July 2026Jul 1, 2026
One of the largest debt settlement companies helps negotiate lower balances. Learn how the program works, what it costs (15-25% fees), credit impact, and whether it fits your situation.
Best Debt Relief Programs July 2026 - Compare Top CompaniesJul 1, 2026
Compare the best debt relief programs of 2026. Learn how to evaluate settlement companies and credit counseling agencies before enrolling.
Freedom Debt Relief Review July 2026Jul 1, 2026
Freedom Debt Relief is a leading debt settlement company that negotiates debt reduction with your creditors. Learn how to qualify and how their program could help.
Accredited Debt Relief Review July 2026Jul 1, 2026
A Beyond Finance division offering debt settlement since 2011. Learn how the program works, what it costs (up to 25% fees), credit impact, and whether it fits your situation.
Credit Associates Review July 2026Jul 1, 2026
Credit Associates offers straightforward debt settlement with 22-25% fees. Learn how the program works, credit impact, and whether it fits your financial situation.
Best Debt Consolidation Loan for July 2026Jul 1, 2026
A debt consolidation loan combines multiple debts into one payment. A loan can help simplify finances, save money and pay off your debt. Compare top lenders...
Debt Consolidation Loans with Bad Credit July 2026: Rates, Reviews & OptionsJul 1, 2026
Is a debt consolidation loan for bad credit a viable option? Learn how the loan works, how your credit affects your rates, and which lenders offer bad credit…
Capital One Personal Loan AlternativesJun 30, 2026
Capital One doesn't offer personal loans. See how alternatives like Discover, LightStream, and SoFi compare on rates, amounts, and fees.
Bills.com Personal Loan Review MethodologyJun 30, 2026
Learn how Bills.com evaluates personal loan lenders—the six criteria, scoring scale, and data sources behind every review on the site.
What Is a Personal Loan and How Does It Work?Jun 22, 2026
A personal loan is money you borrow in a lump sum and pay back in fixed monthly installments. Here's how they work, the types, and what to know before applying.
Personal Loans With a Cosigner: How They Work and When to Use OneJun 22, 2026
A cosigner could help you get approved for a personal loan or land a lower rate. Learn how cosigning works, what your cosigner takes on, and how to apply.
What is a Home Equity Loan?May 26, 2026
A home equity loan lets you borrow a lump sum against your home's equity with fixed payments. Learn what it is, how it's structured, and what to know before you apply.
Why Does Debt Settlement Require Stopped Payments?May 23, 2026
Stopping payments is part of how debt settlement works, not a scheme. Understand the logic, the real costs, and what to consider before deciding.
The Real Risks of Debt Settlement (That Companies Don’t Always Mention)May 23, 2026
Reputable debt settlement companies disclose the risks. Some don’t. Learn what should be on the table before you sign, and what to ask if it isn’t.
What Happens If You Can't Finish Your Debt Management PlanApr 22, 2026
Many people don't complete a DMP. Learn why completion rates are low, what happens when you leave, and what options exist if you can't continue.
Using a Home Equity Loan for Home ImprovementsApr 20, 2026
Planning a renovation? Learn how a home equity loan works for home improvements, how it compares to a HELOC and personal loan, and how to choose the right option.
Does a Debt Management Plan Lower Your Monthly Payment?Apr 20, 2026
A DMP often lowers your monthly payment, but not always. Learn why your payment may be higher than expected and how to know if it fits your budget.
Your Credit Cards Get Closed in a Debt Management PlanApr 20, 2026
Enrolling in a DMP means closing your credit cards. Learn what actually closes, whether you can keep one open, and how to know if a DMP is the right fit.
Is a Debt Management Plan Worth It?Apr 18, 2026
A DMP has real benefits and real limits. Learn when a debt management plan makes sense, when it doesn't, and what to consider instead.
HELOCs in California: Rates, Requirements, and What Makes Them DifferentApr 17, 2026
California HELOCs come with bigger borrowing power and state-specific protections. Learn what rates, requirements, and lenders look like in the Golden State.
What Does '50% Savings' Mean in Debt Settlement — And Is It Guaranteed?Mar 30, 2026
You keep coming across "50% savings" in debt settlement research. Here's what that number actually means, why fees change the math, and why no outcome is guaranteed.
Home Equity Loan RequirementsMar 23, 2026
Find out what lenders look for before approving a home equity loan — equity, credit score, DTI, income, and more. Know where you stand before you apply.
Do Debt Settlement Companies Drop You If You Get Sued? Mar 23, 2026
Getting sued during debt settlement is scary, but it doesn't mean your company abandons you. Here's what actually changes and what to do right now.
What Is a HELOC? Mar 22, 2026
A HELOC lets you borrow against your home’s equity as needed. Learn how a home equity line of credit works, what it costs, and what to watch out for.
Not Every Creditor Has to Settle—and That's What You Need to Know Before You EnrollMar 22, 2026
No creditor is required to settle your debt, and some won't. Here's what determines whether your creditors will negotiate, and what to ask before you enroll.
What Happens If You Miss a Payment After Debt Settlement?Mar 22, 2026
Missed a payment on your debt settlement agreement? Here’s what it actually means, what your creditor could do next, and the steps to take right now.
Can You Settle Debt Yourself Without a CompanyMar 22, 2026
You can try negotiating debt settlement yourself. Success depends on who owns the debt, creditor policies, and your situation. Learn when DIY works and when it doesn't.
Do Debt Settlement Companies Take Money Upfront?Mar 22, 2026
Federal law prohibits legitimate debt settlement companies from charging fees before settling a debt. Here's what the rule says and how to verify a company before you sign.
Does a HELOC Affect Your Credit ScoreMar 22, 2026
A HELOC can affect your credit score in several ways — some small and temporary, one that lasts. Here's exactly what happens at each stage.
What Happens When a Creditor Refuses to Settle?Mar 22, 2026
A creditor refusing to settle doesn't mean your program is over. Here's what actually happens to a refused account—and what to do next.
How Does a HELOC WorkMar 22, 2026
A HELOC lets you borrow against your home’s equity as needed. Learn how a home equity line of credit works, what it costs, and what to watch out for
Does a HELOC Require an AppraisalMar 22, 2026
Appraisal LTV and HELOC | There are different types of appraisals that a lender may require. The appraisal's value affects your LTV and how much cash you...
How long does it take to get a HELOC?Mar 19, 2026
Most HELOCs take 2-6 weeks. Learn what drives the timeline, why your funds aren't available right after closing, and how to move faster.
HELOC Calculator: Estimate Your Borrowing PowerMar 19, 2026
Use our free HELOC calculator to see how much you could borrow and what your monthly payment could be — in the draw period and at repayment. (145 chars)
Does Settled Debt Hurt Credit More Than Paid in Full?Mar 14, 2026
Settling debt shows "settled for less" on your report versus "paid in full." Learn when the notation matters and whether it hurts your credit score more.
Chapter 7 Bankruptcy: What It Is & How It Works Feb 28, 2026
Chapter 7 bankruptcy eliminates most unsecured debts in 3-4 months. Learn who qualifies, what you’ll keep, costs, and how it impacts your credit
DIY vs. Professional Debt Negotiation: Which Path Is Right?Feb 28, 2026
Struggling with debt? Learn when to negotiate yourself vs when to hire help. Simple guidance to help you choose the right path for your situation.
Debt Negotiation Resource CenterFeb 28, 2026
Debt negotiation is a solution for people in a hardship. Carefully look at your situation and debt relief options. Choose between a do-it-yourself approach...
Pros and Cons of Debt SettlementFeb 25, 2026
Debt settlement could reduce what you owe, but risks include credit damage, lawsuits, and taxes. See the pros and cons to decide if it's worth it.
What Is Debt Relief? Your Options ExplainedFeb 25, 2026
Debt relief means different things to different people. Learn what options exist, how they work, and how to avoid scams.
What Is Debt Settlement and How Does It Work?Feb 25, 2026
Debt settlement lets you negotiate to pay less than you owe. Learn how the process works, what it costs, and the risks to consider.
Debt Settlement Attorney: Do You Need One?Feb 25, 2026
Learn what a debt settlement attorney does, how much they cost, and when you actually need one vs. handling it yourself.
How Does Debt Relief Work?Feb 25, 2026
There are several options for debt relief. Read on to learn about debt consolidation, debt settlement, bankruptcy, and other choices to get rid of debt.
Chapter 7 Bankruptcy Qualifications & Means Test GuideFeb 25, 2026
Learn if you qualify for Chapter 7 bankruptcy. Understand the means test, income limits, and how to pass based on your expenses and financial situation.
Debt Relief Pros and ConsFeb 24, 2026
Debt relief could reduce what you owe—but comes with real risks. See the pros and cons of settlement, DMPs, consolidation, and bankruptcy.
Is Debt Relief a Good IdeaFeb 23, 2026
Is debt relief worth it? It depends on which type. Learn when settlement, consolidation, or credit counseling fits—and when to avoid it.
Debt Relief Programs: Types, Costs, and How to ChooseFeb 23, 2026
Debt relief programs include settlement, credit counseling, DMPs, consolidation, and bankruptcy. Learn which type fits your debt situation.
What It Means to Be Judgment Proof—and What to Do If SuedFeb 23, 2026
Learn what it means to be judgment proof, how to tell if it applies to you, and what steps to take if a creditor sues you—even if they can't collect.