Author: Jayden Tyler

Jayden Taylor loves spending time with her three children and husband of 14 years. She enjoys reading, writing, and personal finance education. After overcoming significant debt through consolidation, Jayden is passionate about helping others do the same. When she's not working or spending time with her family, you can find her hiking or camping in the beautiful Colorado Rockies.

Credit Associates is focused on helping people negotiate settlements for unsecured debts, and they won’t charge you any fees upfront. You will pay a performance-based rate once negotiations have led to an agreement that’s less than what was owed by credit card companies or other lenders, all without requiring another payment until after this process finishes. Company Overview Credit Associates is a professional debt relief company that has been in operation since 2016. It’s accredited by the American Fair Credit Council (AFCC), one of the largest associations serving this industry, and it offers its customers gold status with International Association…

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As of the second quarter of 2022, Americans owed a total of $16.5 trillion in debt, including mortgages, car loans, credit cards, and student loans. This figure represents a significant increase from previous years, and many Americans struggle to keep up with their payments. Some have even been forced to explore other options, such as debt consolidation or refinancing, to manage their growing debt burden. A few options are available to those trying to overcome their debt. One option is to work with creditors to settle the outstanding debt. Another option is to use a home equity line of credit…

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It’s essential to have the plan to pay back any personal loans or other forms of debt according to the terms you agreed to. Otherwise, you risk hearing from a debt collector. In most cases, a debt collector won’t be able to repossess your car for simply not making payments. However, there are a few exceptions that may make it possible. Can debt collectors seize assets? Debt comes in two forms, secured and unsecured. Unsecured debt is not backed by collateral, such as a car or property. This makes it difficult for creditors to seize assets for missed payments. For…

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There are many ways to become debt-free, but one of the most popular is to use balance transfer credit cards. These cards allow you to transfer debt from one card to another, usually with 0% APR for an introductory period. Transferring your credit card balances to a new balance transfer card with a lower interest rate can save you money on interest payments. Every penny you pay toward your debts goes directly toward the amount you owe rather than accruing interest during that period. This can help you get out of debt more quickly. When researching the best credit cards…

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The average American consumer is carrying around a balance of under $5,589 on their credit cards as of 2022. This number has been steadily increasing over the years, with more and more people using credit to make ends meet. Credit cards can be a handy way to make purchases but can also lead to mounting debt. Debt management is a way to keep up with your bills and get your debt under control. You can use many strategies to manage your debt, including the debt snowball method or working with a credit counseling organization. In any of these cases, you…

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Setting up a debt payoff plan can be daunting, but it can be manageable with careful planning. By taking all your debts and income into account and your monthly budget, you can create structure and consistency to pay everything off. While it may seem overwhelming, breaking it down into smaller steps can help make the process more manageable. It’s no secret that debt can be a significant financial burden. Not only does it make it difficult to afford things you want, but it can also seriously impact your overall well-being. That’s why paying off debt should be a top priority…

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Debt can be a significant obstacle to homeownership and other financial goals. A high debt-to-income (DTI) ratio makes it difficult to qualify for a mortgage. It can also prevent you from saving for retirement, your child’s college education, or other important objectives. Reducing your debt is essential to achieving these important life goals. Debt can be a real burden, weighing you down month after month. It can be tough to keep up with your bills and save for a rainy day when you’re in debt. But making only the minimum payments to your creditors could leave you stuck in debt…

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The Federal Trade Commission reports that over 154,272 debt collector scams reports were received in 2021, with 50.1 percent of these reports relating to abusive debt collection activity or a debt not owed by the consumer. This means that scammers are increasingly targeting people with false claims about money owed. As most people are aware, many scammers are posing as debt collectors to take advantage of individuals. However, there are also many legitimate debt collectors out there. It is essential to distinguish between the two to protect your finances and personal information. Here are some red flags to watch out…

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Alleviate Financial, LLC, dba TriPoint Lending is a marketing lead generator and is a Duly Licensed California Finance lender. They offer personal loans and debt consolidation loans. And they advertise their services through Tripointlending.com and Alleviatefinancial.com Review Summary Can we trust Tripoint Lending? That’s a question we asked ourselves before giving them a one-star review. Here’s why: If you’re like most people, you probably get a lot of mail every day. And chances are, at least some of it is junk mail. But every once in a while, you might get a piece of mail that looks like it could…

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Debt can be overwhelming and may feel like there is no way out. Bankruptcy may seem like your only option at this point. Still, it is essential to explore all of your options before making a decision. There are many ways to deal with significant debt, and bankruptcy is just one option. You can also try cutting your expenses and consolidating your obligation to make them more manageable. Whatever route you choose, make sure you understand the pros and cons before making any decisions. There are several types of bankruptcy When considering bankruptcy, consumers should be aware of the two…

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