Mark Andrade

Debt Settlement - Get the Best Results by Negotiating with Creditors Yourself

It can be somewhat scary and intimidating to approach your creditors to negotiate a reduction, extension, or some other type of debt repayment plan. However, if you follow a few simple steps, the debt settlement process can be very straightforward and rea... Read >

Debt Management - Dealing With a Financial Crisis

Debt is a huge problem today with many people caught up in a perpetual cycle of debt due to credit card abuse, bad spending habits, or other unfortunate circumstances. If you ignore your debts or avoid taking control of them, they will inevitably control ... Read >

Debt Management - Fixing Credit Card Billing Errors

Billing errors on credit card bills happen all the time. Generally, it's up to the consumer to vigilantly track all expenses and report errors found on their account statement. However, you must play by the rules so your complaint is taken seriously and g... Read >

Debt Management: When Collection Agencies Overstep Their Bounds

The Fair Debt Collections Practices Act (FDCPA) prohibits collection agencies from engaging in unfair, disrespectful, or harassing behaviors when trying to collect payment. When collection agencies cross this line, you have recourse to hold them accountab... Read >

Debt Management - Dealing With Judgments and Liens Effectively

If you have been experiencing debt problems for a while, you may have a judgment or lien against you. The attitude you adopt in the debt negotiation process can have a big impact on the final outcome. Once a lien or judgment has been placed against you... Read >

Debt Relief - Finding Alternatives to Student Loan Consolidation

Student loans are complicated debt instruments with stipulations that vary depending on the type of loan and when you obtained it. Student loan consolidation has its drawbacks and you cannot get relief from student loans through bankruptcy. Fortunatel... Read >

Debt Management: Fighting Back Against These Common Collection Agency Tactics

Collection agencies are notorious for engaging in illegal practices when attempting to collect debts. They especially like to take advantage of low income or non-English speaking debtors. However, you don't have to be a victim of their tactics, if you kno... Read >

DIY Debt Management - Get it Right

Most people can draft and follow their own debt repayment plan without any outside help - provided they don't keep using their credit cards. Methodically implementing a cash only lifestyle also has the added benefit of training you to live within your mea... Read >

Debt Management - How to Buy Time When Seeking Debt Relief

If you're facing some type of financial emergency, such as an eviction, foreclosure, repossession, or some other immediate crisis, taking proactive steps can help mitigate some of the potential negative impact. Deal with your problems before your options ... Read >

Debt Relief - Settling on Past Due Accounts

Individuals are most vulnerable when facing bills that are past due and they don't know how they're going to pay them. If you find yourself in this unfortunate situation it is important to be careful and not allow yourself to feel intimidated by creditors... Read >

Debt Management - Don't Battle Debt the Wrong Way

Reducing your debt may be simple, but no one said it would be easy. Depending on what threw you into debt, there could be many issues to address to dig yourself out of your financial hole. Financial freedom requires a plan. Here are some ways that could d... Read >

Debt Free Solutions - Your Debt Isn't the Problem

In their quest to pay off debt, some people neglect other important goals, such as saving for significant events like buying a home, going to college, or saving for retirement. Without a well thought out debt management plan, individuals might opt to pay ... Read >

Debt Management: Offering Payments to a Collection Agency To Settle Your Debt

By the time an account gets to collection, the costs of administering it have gone up a lot and most collection agencies would welcome a quick debt settlement. However, they have little incentive to compromise if you are only prepared to negotiate install... Read >

Debt Management - DIY Negotiating With a Collection Agency for Best Results

By the time an account gets sent to collection, the costs of administering it have increased greatly. Although most creditors initially insist on collecting 100% of a debt, they quickly change their tune as time goes on. That's because the time and money ... Read >

Debt Management - Options To Avoid When Seeking Debt Relief

It's normal to sometimes feel desperate and under pressure when experiencing cash flow or debt issues. However, the decisions you make today regarding your finances can have long lasting effects. If you're not careful, you might find the long-term costs o... Read >