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Posts tagged "debt"

Monitoring credit reports for inaccuracies

As many Pennsylvania residents may know, making payments on time and using credit judiciously influences its availability in the future. It may determine whether purchasing a motor vehicle or a new home with credit is possible. Before extending credit, lenders examine credit reports, and an uncomplimentary entry may make the difference between receiving a loan or not.

Understanding the consequences of a spouse's bankruptcy

Pennsylvania residents who are worried about interest rates and applying for a loan debt management may be interested in some information on how bankruptcy can affect a couple. Marrying someone with debt issues can present some unforeseen problems that may need to be discussed prior to marriage.

Rebuilding credit after being denied a secured credit card

Pennsylvania readers who have been turned down for a secured credit card may be wondering what they can do to rebuild their credit. A secured credit card is a great way to re-establish a person's credit rating following a bankruptcy or other financial setback. However, it is possible for someone to be turned down for a secured credit card, according to some credit management writers.

Ramifications of medical and credit card debt in Pennsylvania

The subject of whether credit card debt or medical debt is worse can come up often among consumers. Approximately 43 million consumers in the U.S. are dealing with some medical debt on their credit reports. Both types of debt have their own particular implications. Credit card debt, however, has more of an impact on a consumer's overall credit score than medical debt.

Identifying the best ways to settle debt

Pennsylvania residents may not be aware about the difference between credit counselors and debt settlement companies. While there are some similarities between the two, there are many differences as well. Understanding which option is the best to utilize when settling debt can be extremely important.

Ways to rebuild credit

Pennsylvania residents who have filed for bankruptcy in the past may know that it is important to begin rebuilding credit. Obtaining credit may be the first step in proving that handling debt is once again possible. While bankruptcy remains on one's credit report for up to 10 years after it was filed, creditors often look at how both current and prior debts are being handled. If current bills are paid on time, past delinquencies may be overshadowed. Being proactive and applying for a credit card may be another way of showing creditworthiness.

Property seizure by collection agencies

Some readers from Pennsylvania may have experience in dealing with collection agencies in matters of unsecured debt. While an unsecured creditor may not inherently possess collateral to use against someone, they may be able to earn the right to seize assets through litigation. As such, the consequences of unsecured debt can be equally as adverse as they would be in cases of secured debt.

Debt management strategy involves prioritizing

Pennsylvania residents might be interested to learn about some debt management strategies that can be used for long-term financial health. After gaining extra funds that could be used to pay off debts, many households would be eager to pay down their mortgage. According to some financial experts, however, a mortgage normally falls into the category of 'good debts" and should be paid off last.

Debt management dangers for Pennsylvania consumers to avoid

Accumulating a large amount in debt can make it challenging to pay it all off. Losing a job or other unforeseen circumstances can cause people to be overwhelmed with debt. Pennsylvania consumers may wish to better manage their debt by hiring a debt management company. The promises some of these companies make can seem too good to pass up, but those promises may be over-inflated or dishonest.

Debt management tips and strategies

For many Pennsylvania families, high levels of debt can feel overwhelming. Faced with an unmanageable combined debt payment each month, it can be difficult to even make ends meet, much less set aside funds for future goals. While excessive debt loads can pose a challenge, there are methods available that can ease a family's financial crunch, and make a debt-free future an attainable goal. The following debt management tips are offered as a demonstration of just a few of the possible paths toward reaching that goal.

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Bryan P. Keenan & Associates, PC

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