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Over the long-term, a damaged credit score can make life very difficult. It can be a challenge to get any kind of loan modification or receive refinancing approval. It is therefore imperative that borrowers who have been...

Debt settlement is not for everyone. While for some it may be the best option for handling rising debt problems, for others it could be problematic. Since the industry is largely unregulated, pursuing debt settlement can be...

If you are like millions of other Americans, you are currently struggling with many different forms of debt. You may have a mortgage that is gone underwater thanks to the housing crash, or you may simply have too much credit...

Even with financial regulators coming down hard across the country on usurious credit negotiation companies, many people are still handing over thousands of dollars to settle outstanding debt. Debt settlement companies are...

Credit negotiations are not always successful, in which case you may be forced to seek bankruptcy protection. Once committed to filing for bankruptcy because of severe, crippling debt and hard-nosed creditors you will need to...