Debt Collection is Not Credit Repair

There are firms that specialize in helping you negotiate your credit balances and settle your debt accounts for a fee.  Then there are collection companies.  Each type of firm answers to a different set of regulations.  If you feel a creditor is mishandling your debt, you should certainly check into it.  Just be aware that…

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Beat the Winter Doldrums On a Budget

DebtReliefZones.com can help you find freedom from debt, but staying committed to your budget will make all the difference in your level of success. It is winter in the northern-lands, and cabin fever is a threat, so I am looking for things to do without blowing our budget.  The following list excludes activities like watching…

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How to Start your 2020 Debt Freedom Journey

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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4 Ways to Still Save on Christmas Shopping

Once again, I am dealing with the problem of shopping for others, without buying things for us adding to our debt.  Put another way, I seem to buy more for me when I am looking for gifts for others.  I know it is a horrible habit, but as an undiagnosed ADD victim, I constantly get…

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7 Ways to Bring Back Holiday Joy

It can be tough to get excited about Holidays when you are struggling to keep up with the debt you already have.  Maybe you need some activities to bring nostalgia and FUN back into the season. Here are some reminders and ideas to give you back your holiday joy this year. Just say no.  You…

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Rising Debt Danger

Rising Personal Debt: Last week, The Federal Reserve Bank of New York released debt statistics for the 3rd quarter.  While noting that delinquent mortgages have decreased, the Household Debt and Credit Report states the total debt balance of mortgages has actually increased to $13.95 trillion, $1.3 trillion higher than the previous mortgage peak of $12.68…

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You Can Stop Unsustainable Debt by following these 6 Steps.

Unsustainable debt.  Whole nations struggle with how to control it, but you can be debt free by following these six steps. Make a budget.  Check what your take home pay is.  List your monthly obligations.  For this exercise, don’t worry about whether your monthly obligations are over your take home pay, just get the expenses…

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Bankruptcy and Sleep Once More

The clock, a vintage inherited family piece, ticked away the minutes.  Cheryl rolled over and saw it was only 3:42 a.m.  Another night when the worry she had tucked away in the corner of her mind pushed her into consciousness, only to lay awake listening once again to the old clock as it continued to…

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