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People can find themselves in debt difficulty for a number of different reasons, but what options are available to resolve a financial issue?

When taking out credit, we generally look at our current financial position and base our repayments on what we can afford according to our current income.

We do not tend to look at what could be around the corner. This more often than not creates immediate risk to us and our families. This is just one of the reasons someone kind find themselves in financial difficulty.

Being in a debt position to some people is unknown territory and they are just not sure where to turn and ask for help.

There are solutions put in place for anyone who finds themselves in position where they no longer repay their debt at the amount set by their agreement.

Your financial position will generally determine which option is suitable when considering ways to resolve a debt problem.

Options available may also depend on whether your borrowing is secured or unsecured.

Financial Intelligence Part 1
Money
Definition Of Insanity Naturally, most if not all of us want and crave for something better. It is all part of us if we want a bigger car, a better house, buying good things for the family. We keep.....Read more..
How To Avoid Late Fees
late fees
Although it may be overstated, there is a lot of truth to people ruining their credit score due to missing payments and paying their credit card bills late.  The fees can pile up and the.....Read more..
Spend Wisely to Save Money
money
Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to.....Read more..
Your Secret Weapon Against Credit Card Debt
credit cards
The television advertisements and dozens of junk mail advertisements you get all make big promises.  They are real good at selling the idea that they can get you out of credit card debt with.....Read more..
Moving that Debt to a Better Place
debt
Balance transfers are one of the big methods that are common used to try to get some control over an out of control credit card debt.  While many balance transfer offers you get from credit.....Read more..
10 Things You Need To Know Before Getting A Refinance Or Home Equity Loan
mortgage refinance
Refinance loans and home equity loans both give you an opportunity to get cash when you close on the loan. While both options can be a great way to save money and get money, there are certain.....Read more..
5 Great Reasons To Refinance
mortgage refinance
There are many great reasons to refinance. With lower cost, adjustable rate, and 0-down options, traditional loan programs like 30-year or 15-year fixed rate mortgages don't always allow us to.....Read more..
Student Loan Repayment Tips for the Life of Your Loans
write a check
It is often said that the most effective debt management strategy is to be debt-free.   But, in order to pay for your college education, you may need to take out student loans. Student.....Read more..
Avoiding Payday Loans
money
Individuals develop their good and bad habits at an early age. If you want to become a responsible person, you have to practice the right things now. Handling money is a very important task.....Read more..
The Formula to Creating Goals that help you Improve your Personal Life
couple
In life, we have a formula to use that helps us to create goals that assist us in improving our personal life. To start these goals however, we must use our inner qualities. The inner qualities.....Read more..
Improving Your Credit Score: Ways to Do It Quickly
credit score
If you have been denied of a loan or a credit card, it may have something to do with an important number that will determine if you are credit worthy. This number is called your credit score. This.....Read more..
Credit Repair the Do-It-Yourself Way
credit repair
Negative remarks on your credit report can cost serious money. You do not have to despair though, since it is never too late to become credit worthy again. However, always remember that credit.....Read more..
Financial Intelligence Part 1
Money
Definition Of Insanity Naturally, most if not all of us want and crave for something better. It is all part of us if we want a bigger car, a better house, buying good things for the family. We keep.....Read more..
How To Avoid Late Fees
late fees
Although it may be overstated, there is a lot of truth to people ruining their credit score due to missing payments and paying their credit card bills late.  The fees can pile up and the.....Read more..
Spend Wisely to Save Money
money
Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to.....Read more..
Your Secret Weapon Against Credit Card Debt
credit cards
The television advertisements and dozens of junk mail advertisements you get all make big promises.  They are real good at selling the idea that they can get you out of credit card debt with.....Read more..
Moving that Debt to a Better Place
debt
Balance transfers are one of the big methods that are common used to try to get some control over an out of control credit card debt.  While many balance transfer offers you get from credit.....Read more..
10 Things You Need To Know Before Getting A Refinance Or Home Equity Loan
mortgage refinance
Refinance loans and home equity loans both give you an opportunity to get cash when you close on the loan. While both options can be a great way to save money and get money, there are certain.....Read more..
5 Great Reasons To Refinance
mortgage refinance
There are many great reasons to refinance. With lower cost, adjustable rate, and 0-down options, traditional loan programs like 30-year or 15-year fixed rate mortgages don't always allow us to.....Read more..
Student Loan Repayment Tips for the Life of Your Loans
write a check
It is often said that the most effective debt management strategy is to be debt-free.   But, in order to pay for your college education, you may need to take out student loans. Student.....Read more..
Avoiding Payday Loans
money
Individuals develop their good and bad habits at an early age. If you want to become a responsible person, you have to practice the right things now. Handling money is a very important task.....Read more..
The Formula to Creating Goals that help you Improve your Personal Life
couple
In life, we have a formula to use that helps us to create goals that assist us in improving our personal life. To start these goals however, we must use our inner qualities. The inner qualities.....Read more..
Improving Your Credit Score: Ways to Do It Quickly
credit score
If you have been denied of a loan or a credit card, it may have something to do with an important number that will determine if you are credit worthy. This number is called your credit score. This.....Read more..
Credit Repair the Do-It-Yourself Way
credit repair
Negative remarks on your credit report can cost serious money. You do not have to despair though, since it is never too late to become credit worthy again. However, always remember that credit.....Read more..