Debt Management Articles

Debt Management

Aly J. YaleMay 3, 2022

Learn how to manage your debt and become debt free. Find free debt help resources, tools, and more -- all at! Save money by...

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Tips to Pay Off Holiday Debt

Daniel CohenMarch 18, 2019

Find the best way to pay off holiday debt. Read tips from six top financial experts to take care of debt from the last holiday and avoid debt this year.

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Dealing with Late Payments and Delinquent Accounts

Betsalel CohenApril 15, 2018

If you can’t afford to make your payments on time, then you are not alone. While delinquent rates dropped since the Great Recession in 2008, many households...

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Too Much Debt

Betsalel CohenFebruary 28, 2017

Are you struggling with too much debt? How do you know if you have too much debt? Learn about signs showing if you have too much debt and if so, how to deal...

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Debt Repayment Plan

Betsalel CohenNovember 28, 2016

Debt repayment plans can be as easy as making a constant payment to your debt or taking out a low interest personal loan. However, it can be as complicated as..

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Medical Debt

Daniel CohenNovember 18, 2016

Medical debt is a major financial stress. Studies show it is the number one cause of bankruptcy. It's important that you take the right steps to protect your...

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Credit Score Medical Debt

Mark CappelJanuary 2, 2015

Medical debt can harm your credit score, but only if the debt is so delinquent it lands in the hands of a collection agent. Take steps to avoid collections...

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FICO 9 Ignores Medical Collections

Mark CappelNovember 13, 2014

FICO scores will soon start ignoring medical collection accounts, resulting in as much as a 25-point score increase if your credit report has medical...

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Doctrine of Necessaries

Mark CappelJuly 31, 2014

A 50-state plus D.C. table outlining the doctrine of necessaries -- also called the doctrine of necessities. Learn if you must pay your spouses's medical debts.

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Mortgage When Spouse Dies

Mark CappelMay 1, 2014

A bank may be able to call a mortgage when a spouse dies. your spouse who has a mortgage dies, you may be able to keep making payments and remain in...

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Avoid Paying Payday Loan?

Mark CappelApril 25, 2014

You may be able to avoid paying a payday loan if it is illegal. 14 states outlaw payday loans, including online payday loans. Check with the State Attorney...

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Dignity Health Payment Assistance

Mark CappelJuly 26, 2013

Catholic Healthcare West hospitals and clinics offer charity and discount programs for people with no insurance. Talk to an admitting or patient registration...

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Community Health Systems Financial Assistance Program

Mark CappelJuly 25, 2013

Community Health Systems (CHS)'s 135 hospitals and care centers offer charity and discount programs for low-income people. Talk to a financial counselor in...

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Ascension Health Patient Assistance

Mark CappelJuly 23, 2013

Ascension Health's hospitals and care centers offer charity and discount programs for people with limited income. Be careful, because not all expenses...

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HCA Patient Financial Assistance

Mark CappelJuly 22, 2013

HCA hospitals and HCA surgery centers offer charity and discount programs for people who can show they have limited income. If you do not quality, you have...

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Medical Debt

Mark CappelJune 24, 2013

The Medical Debt Responsibility Act of 2013, if passed into law, would require credit bureaus to remove settled but formerly delinquent medical debt from...

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Debt Management | Deal with Your Debt

Betsalel CohenJuly 22, 2012

Debt Management | Many of us have debt problems. Some of us can solve go it alone, while others need professional debt services. Learn the steps to take...

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How to Get Out of Debt For Free

Mark CappelApril 23, 2012

Get Out of Debt Free | The lowest-cost method of getting out of debt for free is bankruptcy. You have other options, too, and be sure to look into...

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Debt Free for Life Book Review

Betsalel CohenApril 17, 2012

Debt Free for Life | Wanting to be debt free, pay debts quicker, and make more money are great long-term goals. But if you have debt problems, look for ...

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Paying Medical Bill

Mark CappelFebruary 22, 2012

A creative and unscrupulous medical bill collector may tell you your paying part of your sister's bill creates an obligation for you. That is nonsense...

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Debt Elimination

Daniel CohenJune 16, 2011

Debt Elimination | Avoid the scam called debt elimination. Learn how to tell the difference between legitimate debt relief options and scams at

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Negotiating with Your Creditors TeamSeptember 6, 2010

Learn key methods to negotiating with your creditors

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Splitting Credit Card Debt in Divorce

Mark CappelJuly 6, 2010

A divorce decree does not trump the contract terms in a loan. The contract was agreed to when the loan was signed by you and/or your spouse. The divorce did not

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Medical Guarantor

Mark CappelJune 15, 2010

Medical Bill and Joint Liability | Depending on the contract you sign and the state laws it is possible for a creditor to obtain a judgment and garnish wages...

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New York Payday Loan TeamMay 21, 2010

New York Payday Loan | New York payday lenders partner with banks in deregulated states. These lenders deliver loans via electronic funds transfer and claim...

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Negotiate American Express Debt

Mark CappelApril 30, 2010

Each creditor has its own policies for settlement amounts. The rule of thumb for American Express is 50 cents on the dollar.

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Lexington Financial Solutions

Mark CappelJanuary 19, 2010

Lexington Financial Solutions | Lexington Financial Solutions branched out from loan modifications into the debt settlement business in 2009. They don't have...

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Negotiating Debt

Mark CappelJanuary 13, 2010

Negotiating Debt | Free tips on how to save money when resolving your unsecured debt. Learn the tactics you need to use to settle your debt. Start by...

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Save or Pay-Down Credit Card

Mark CappelDecember 2, 2009

Should I keep my savings or pay-down my credit card? The answer is to keep your savings as an emergency reserve.

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Negotiate Debt

Mark CappelNovember 24, 2009

Negotiation is a process and just because you have spoken to a judgment-creditor once or twice and got no where does not mean the judgment-creditor will never a

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How to Cancel Automatic ACH Payments

Mark CappelOctober 6, 2009

I have a dispute with a vendor that is debiting my account. If I close that account and open a new one, will the payments stop?

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Insurance Neglecting to Pay a Medical Bill

Mark CappelJuly 23, 2009

I was told that my insurance would cover my medical bill, but later found out the bill was never paid. Now I owe almost $1,000.

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Foreclosure On One Property Affect Another

Mark CappelJuly 9, 2009

We own two houses. If the bank forecloses on one that has a home equity loan attached to it, can the bank attach that loan to our other house?

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Need to Pay off Old Accounts

Mark CappelSeptember 8, 2008

Get information and advice on the best way to tackle old debts and get them paid off. Learn more at

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Upside Down on Loan

Mark CappelOctober 12, 2007

See what you can do and the steps you need to take if you are upside down on your loan. Get free help at

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Repossession Payments

Mark CappelOctober 11, 2007

When a vehicle is repossessed, the lender will usually sell the vehicle at auction, then apply the money received at auction to the balance owed on your auto lo

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Debt Manager

Mark CappelMay 14, 2007

Looking for debt manager and debt management help? can point you in the right direction for a debt manager that will help you save!

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