We rang in the new year, and for so many of us, the bills are starting to come in.  Yes, you will need to get the extra charges paid off, but there are other things you can do to think ahead for next year. Get inspired by the journey to Debt Freedom in 2020 by…

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Most of us have debt.  When we fall behind on payment of those debts, a debt collector has the right to contact us in a reasonable attempt to collect the debt. When those attempts become unreasonable, resulting in harassment, it crosses the line established by the Fair Debt Collection Practices Act (FDCPA) in 1977. Abusive…

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DebtReliefZone.com Word of the day is Frugality! Frugality is a Great Word! I recently came across an article on frugality and thought we don’t value its sexy quality enough. That’s right, frugality can be sexy!  It makes life more vibrant because being frugal can make one think more about what one is doing -and it…

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I fume when I see a credit bureau advertisement that you can “boost” your score for a small fee.  Are they or are they not providing correct and objective credit reports?  That said, there are ways that you can help your score go up and it does not involve paying a fee to the reporting…

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When you file for bankruptcy protection, your creditors must not violate the automatic stay, which prevents a creditor from attempting to collect a debt while the debtor is in bankruptcy.  Only if the creditor gets prior court approval, are they allowed to attempt to collect the debt.  The automatic stay occurs when the bankruptcy is…

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