Category
Credit & Debt
Can You Get a Loan While on a Debt Management Plan?
Participating in a debt management plan is one of the most effective ways to pay off credit card debt. It’s a straightforward process that allows consumers to pay off debt more quickly than they could do it on their own. Plus, they enjoy significant savings due to lower interest rates. Those considering a debt management […]
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How to Be Successful on a Debt Management Plan
Take Charge America has helped more than 2 million people pay off back over $6 BILLION in personal debt through debt management plans. So, we know a thing or two about what it takes to be successful on one. From following a budget to learning your personal spending triggers, there are several tried-and-true tips to […]
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How to Enroll in a Debt Management Plan
If you have reviewed your options for debt relief and decided you’re interested in a debt management plan to pay off your credit card debt, you’re probably wondering how to get started. Fortunately, it’s a straightforward process that can have you saving money and on the road to debt freedom quickly. Here’s a look at […]
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The Pros and Cons of Debt Management Plans
Debt management plans are one of the best-kept secrets when it comes to debt relief solutions. Because these plans are offered by nonprofit credit counseling agencies, they aren’t advertised as heavily as for-profit options like debt settlement. Often, people learn about debt management plans through word-of-mouth from people they trust who have paid off their […]
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How Do You Know When It’s Time to File Bankruptcy?
Bankruptcy is one of many options available to people who are struggling financially. Whether it’s due to medical debt, credit card bills, job loss, decreased income or some combination of factors, bankruptcy can be a financial fresh start for those who really need it. But it’s also a complex legal process that should not be […]
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Life After a Debt Management Plan — What Comes Next?
Completing a debt management plan is an incredible accomplishment. It means you met your goal of paying off credit card debt and freeing yourself from the burden of monthly payments and creditor obligations. But you might be wondering what’s next. Here are the steps to take when navigating life after a debt management plan. Rework […]
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What Are Debt Management Plans and How Do They Work?
Consumers have many choices when it comes to debt relief. And with companies making big promises and offering quick fixes, it can be confusing to know what solution is the right one. Often, debt relief plans and programs get lumped together and people assume they are all the same or only differ slightly. But all […]
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Should You Use Savings to Pay off Debt?
When trying to get finances under control, one of the most common questions is whether you should use savings to pay off debt. It’s a great question, but the answer isn’t entirely straightforward. As with all things related to personal finance, it depends on several factors relating to your unique situation. Let’s look at what […]
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How Long Does it Take to Improve Credit?
If you have a credit score, chances are you’re looking for ways to improve it. A clean credit report and a good (or better) credit score opens doors, gives you more choices and helps you save money. When you’re doing the work to make it better, you want to see the results. So how long […]
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How Do Credit Scores Affect Your Life?
You probably already know that when it comes to credit scores, the higher the better. But do you really know why? Credit reports and scores contain a lot of information that people and organizations use to make important decisions about your life. Let’s look into how your credit scores affect your life. New Credit at […]
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