Managing Debt Learning Center

Our experts can help you understand how to get control over your debt — the smart way. They share strategies for paying down your debt without hurting your credit score, negotiating with lenders, and dealing with debt collectors. They also highlight your rights as a borrower, explain your bankruptcy options, as well as give you an honest assessment of payday loans. Set up your custom action plan on Credit.com today and track your credit score progress as you pay off your debt.


How to Get Out of Debt: A Step-by-Step Guide to Financial Freedom

To get out of debt, you need a plan, and you need to execute that plan. But that can be easier said than done. It’s easy to become overwhelmed with all the steps you need to take. And it’s also easy to lose motivation if you don’t realize how much progress you’ve already made. You’ll […] Read More

How to Stop an IRS Bank Levy

Bank levies are one of the most powerful tools the IRS uses to collect tax debt. They can be devastating, making normal day-to-day living impossible. One moment your ATM card may be working fine, and the next minute it may stop working altogether. If you receive threatening letters from the IRS concerning your tax debt, […] Read More

How Much Debt is Too Much?

Borrowing money can be a useful financial and credit-building tool. It can allow us to attain financial goals, including going to college and buying a home or a car. And it can be very convenient and cost-effective to pay for various expenses on a low-interest rate credit card. But how much debt is too much […] Read More

3 Strategies for Consolidating Debt

Are you tired of juggling all your loans and credit card balances? These three debt consolidation strategies can help simplify your plan to get debt-free. 1. Consolidate Your Credit Cards Rather than pay five credit card bills each month, why not pay one? Consolidate all those smaller credit card balances onto a single card and […] Read More

3 Debt Consolidation Traps to Avoid

Looking for smart ways to consolidate credit card debt? Watch out for these three debt consolidation traps. 1. Forgetting to Pay Minimum Card Payments When consolidating your credit card balances on to a new card, don’t forget to pay the minimum payment on each of your credit cards. It may take up to two weeks […] Read More

5 Tips for Consolidating Credit Card Debt

Feeling weighed down by high-interest credit card balances? These debt consolidation tips can help. 1. Check Your Credit Review your credit reports and correct any errors. An error on your credit report could prevent you from qualifying for the debt consolidation help that you need. Credit.com’s free Credit Report Card can help you understand what’s […] Read More

How to Pay Off Credit Card Debt

Determined to knock out your credit card debt once and for all? These tips can help you move from debt-stressed to debt-free. Start With a Credit Reality Check Those credit card balances are weighing down more than your wallet. They may be dragging down your credit score, too. If you want to see how your […] Read More

How To Rebuild Your Credit After Bankruptcy

A bankruptcy may be listed on your credit report for up to 10 years and there is a good chance your credit score will be rather low until you take the necessary steps to rebuild your credit. For an overview and explanation of your credit standing after bankruptcy, check out the Credit Report Card. You’ll […] Read More

How to Choose a Credit Counselor

Stressed about your debts? Seeking help from a credit counselor may be just what you need to get your credit and your financial life back on track. A credit counselor can help you review your budget and develop a plan for paying down your debts. Seek Free & Low-Fee Help It’s important to limit the […] Read More

Filing Bankruptcy: What You Need to Know About Chapter 7 vs. Chapter 11 vs. Chapter 13

If you are thinking about filing bankruptcy, there will be a lot of numbers involved: your income, debts, value of things you own (assets) and more. Three very important numbers will be 7, 11 and 13. They refer to the chapters of the bankruptcy code that your case may be filed under. What is the […] Read More

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