If you are saddled with burdensome debt, the promises of a debt negotiation program may sound all too appealing. Don't be fooled, though: Debt negotiation programs are usually risky ventures that can significantly harm your credit. In some cases, they can even increase your debt.
Facing bankruptcy is a difficult time for anyone. It becomes even more stressful when there are dependents involved. You may be watching your disposable income run low and fear for the future—how do you keep food on the table when there just isn’t any money left?
Imagine that after you graduate from college, you carry a massive amount of student debt into your professional life. But that's okay to a certain extent -- because you are able to find a job relatively quickly in a good industry that pays very well. For years, you are able to keep up with your debts and payments, building a life that you enjoy. This is the ideal life that many people would want.
For many people, turning 65 is a time of peace and relaxation to enjoy retirement. However, often it is the start of complex changes as insurance switches to Medicare, which doesn’t always cover all medical expenses. This can cause thousands of dollars in unplanned medical bills or bills that are not covered.
Apparently, Equifax was not content with the image problems created by the fallout that followed their hacking controversy in September. The prominent credit-reporting agency made what they likely considered a recently discovered, small change that had a huge impact on hundreds of thousands of consumers.
It was only a matter of time after Labor Day before we started seeing displays for Halloween costumes, cards and candy. Yes, Halloween is a few weeks away, but retailers want to make an impression on consumers as soon as possible, so expect to see commercials for Party City advertising Halloween costumes this week as well.