by Joel Francois With 2012 approaching, let’s try to actually fulfill a common new year’s resolution-become debt free. I will list the top 10 resolutions that will help get your credit card debt under control. 1. Stop using credit cards Whether you shred them, leave them home or lock them up. In order to be [...]
By Joel Francois Chances are there are a number of errors on your credit report right now that you are unaware of. It is amazing the number of” hidden surprises” that can surface when looking at a credit report. These issues can have a major impact if you are trying to do debt consolidation, purchase [...]
by Joel Francois While hanging out with some friends and ex-coworkers who a work in the credit card collection industry this weekend this topic came up. These are some things that bill collectors do not want to hear during a phone call. They hear these terms repeated and nothing gets them worked up more than [...]
by Joel Francois Credit cards make shopping On Black Friday a breeze. You walk in the store, pick something you like swipe the card and you come home – the hero. There is a cost to this convenience, in addition to becoming best of friends with credit card debt; you are adding an additional [...]
By Joel Francois I was speaking with a close friend a couple of days ago about credit card debt and credit scores and he mentioned something interesting. He has never been late on his credit card payments, yet lately he has noticed his credit score decreasing. With a little investigating, we realized that his utilization [...]
By Jim Secondiani Many people often call me looking for help with their debt and during the initial discussion I always ask if they have looked at their credit report recently to see what’s on there and to my surprise a large number of those people have no idea where to begin to look to [...]
by Joel Francois Once In a while we get this perfectly logical question, “why can’t I settle these credit card debts myself?” In certain cases you can settle a debt yourself. A better question should be: “Can I get the same results you can?” and that answer is NO. I like to think I am [...]
By Joel Francois We all lead busy, stressful lives, that requires making many decisions (big or small) daily. From raising children, changing jobs, going back to school to dealing with credit card debt, the list can be pretty daunting. So how do we manage these decisions? Some of us tackle the issue straight on, some [...]
by Jim Secondiani So you’ve finally come to the realization that you need to do something about your debt situation and can no longer continue to struggle to make payments….now what? You talk with friends or family and they tell you all kinds of things that you should do and to call this company or [...]
I know what the caged bird feels, alas! When the sun is bright on the upland slopes; When the wind stirs soft through the springing grass, And the river flows like a stream of glass; When the first bird sings and the first bud opes, And the faint perfume from its chalice steals– I know [...]
