debt relief Archives

How to overcome the shame of credit card debt

If you are struggling to deal with a huge amount of credit card debt, you might find yourself wondering what you can do. You might also feel ashamed that you let your debt spiral out of control. Credit card debt is a common problem for many households in the East Orange area. According to Yahoo, $15,654 is the average amount of credit card debt per household in 2017. As challenging as it may seem for you to make timely payments and lower your debt, there are options that you might not be aware of. 

How Can I Create a Budget?

If you’re in search of debt relief options in New Jersey, you should know that budgeting is integral to remaining fiscally sound. After all, once you’ve paid off your debts and are back on track financially, you run the risk of falling into the same trap if you don’t correct irresponsible behavior. That’s why Forbes recommends the following tips to people who find it hard to stick to a reasonable budget.

Rebuild your credit foundation after bankruptcy

If you've recently gone through a debt relief process, such as bankruptcy, it may take some time before you feel like your head is clearly above water again, financially-speaking. Remember that you are definitely not the first person, nor will you be the last, to encounter a temporary financial setback in life. There are several proactive steps you can take to begin rebuilding your financial foundation, especially your credit score.

Are you one misfortune away from financial disaster?

You may have had rough patches in the past, but you were always able to stay on top of your finances. However, lately, you may feel your budget is a little tighter. Your paycheck doesn't seem to stretch as far as it used to. Perhaps you are starting to get notices that payments are late on a credit card or even your mortgage.

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