At first, tackling your debt seemed somewhat manageable. You eliminated discretionary spending habits, created a budget, and started prioritizing your savings account. You might have even taken on a side job to earn extra income. Now, however, you’re discovering that your outstanding debts are simply growing too high. No matter what steps you take now, you’ll be …
Has a little piece of plastic landed you in a big struggle? If you’re one of the roughly 67 million Americans who can’t pay their credit card bills this year, the answer is likely affirmative. Thankfully, there are debt resolution programs that can help. Yet, you need to know what you’re getting into, first. Before you contact …
Are you one of the millions of Americans struggling to pay off debt? If so, it can feel like an impossible mountain to climb. Between the money you owe, sky-high interest rates, and a sinking credit score, it might seem as though you’re destined to be in the red forever. However, there are plenty of …
Published research shows that IRS communication gives 47% Americans severe anxiety, and almost a third worry over audits, even though 65% of surveyed taxpayers are confident their returns are issue-free. In short, a lot of us are worried about nothing when it comes to taxes. If, however, you are worried about a big tax bill, you probably should be. Not only is the IRS a …
Sources estimate that there are currently more unemployed Americans than ever before in history. At the same time, research shows that the average personal debt is $90,460. Unemployment can be a very stressful time, and in most cases, the last thing you need is a boatload of debt payments to make. However, figuring out how to get out of debt …
Is 2020 the year you regain your financial footing? While it might seem like an impossible mountain to scale, the reality is that becoming financially stable is easier than you think. The key is knowing the right steps to take, resources to use and timeline to follow. Today, we’re sharing five secrets that can help you …
Are you saddled with a high debt to income ratio? If so, this could hurt your financial future. For one, high debt to income ratios can make you ineligible for loans or lines of credit with advantageous rates of interest. While accumulating debt is not good for your financial health, some types of debt can actually move …
When most people hear the word budget, they groan. That’s understandable as many people think of being on a budget as some sort of punishment. The truth is, there are a ton of benefits of budgeting. In fact, creating a budget can significantly improve not only your finances but other aspects of your life. Being on …
Many people put off getting their finances in order, but the sooner you begin the process, the better. Now is the time to create goals for your future financial security. Managing your finances is the first step to creating wealth. And it doesn’t have to be complicated. Everyone has a unique set of financial challenges. But …
Credit cards have their place in American life, but on an individual basis, it’s easy to let debt get out of control. If you are questioning whether you’ve taken on too much debt, the answer is probably yes. Maxed out credit cards become a burden, rather than a convenience. Too much debt leaves you unable …
*Debthunch offers some of the smartest debt consolidation, payment consolidation and debt resolution solutions available through its nationwide network of top rated financial services partners and diverse financial products. Debt Consolidation Loans: Lending partners we match you with may not be able to extend credit if after your application they determine that you do not meet the criteria required to be approved for a debt consolidation loan. Financing approval is subject to a variety of factors including, but not limited to, age, credit history, acceptable income, debt-to-income ratio and collateral. Annual Percentage Rate (APR) and payment terms may be determined based on the above factors. Debt consolidation loans are not offered in all states. Debt consolidation loan interest rates range from 6.99%-35.99% APR and loan terms range from 12-84 months. Payment Consolidation and Debt Resolution: There are no upfront fees charged by Debthunch partners for payment consolidation and debt resolution services. Use of said services historically reduces outstanding debt balances by 50% of what is owed to creditors before fees and 65%-75% including fees for those who make all payments and complete the entire payment consolidation and debt resolution process. Fees usually range between 15-25% of the qualified debt balances selected for said services and are only charged by Debthunch partners after payment consolidation and debt resolution services have been completed. Fees are deferred with a zero interest extension of credit until said services are completed. Displayed percentages are estimates based on historical results for Debthunch partners and are to be used for illustrative and comparative purposes and do not represent a guarantee or that your results will match those displayed. Use of said services may have an initial adverse impact to credit rating, which may be followed by a rebound and favorable impact to credit rating as qualified debt balances are paid off to lenders. Debthunch partners providing said services do not assume debts, make payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Use of said services may result in collections or lawsuits by creditors or collectors and may increase outstanding balances due to the accrual of fees and interest during the debt resolution process. Debt amounts forgiven by creditors as a result of using said services may be subject to income tax. However, all accrued fees and interest are resolved when the debt resolution process is completed. Payment consolidation and debt resolution services are not available in all states and fees may vary by state. Read and understand all agreements and documentation prior to contracting with Debthunch partners for said services.
