James Heinz
Understanding America's Credit Card Debt Statistics for 2024
US credit card debt reached a record $1.142 trillion in 2024, with an average debt per American of $6,501. Explore the statistics.
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James Heinz
Oct 1610 min read
Calculating Cost of Debt: Definitions, Formulas, and Examples
Explore the cost of debt problems and solutions with clear definitions, formulas, and examples. Learn how to calculate and address financial
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James Heinz
Sep 119 min read
Consolidating Debt Without Affecting Your Credit Score
Shepherd Outsourcing helps you consolidate debt smartly without affecting your credit score with tailored solutions. Learn about Debt Manage
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James Heinz
Sep 106 min read
Strategies to Get Debt-Free by Paying Off Credit Card Debt
Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.
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James Heinz
Aug 255 min read
Identifying Legitimate Debt Collectors and Scams
Learn about distinguishing legitimate collectors from scams, with strategies for consumer impact recovery in debt scenarios.
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James Heinz
Aug 256 min read
Strategies to Get Debt-Free by Paying Off Credit Card Debt
Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.
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James Heinz
Aug 245 min read
Understanding Credit Card Debt Relief Government Programs
This blog discusses credit card debt relief government program options such as HUD counseling services and homeowner assistance fund.
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James Heinz
Aug 115 min read
Process of Banks Writing Off Credit Card Debt
Struggling with credit card debt? Learn the process of banks writing off credit card debt, its impact, and solutions to manage it.
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James Heinz
Jul 155 min read
Rights and Advice on Debt Collector Home Visits
Can debt collectors come to your house? What are they allowed to do? Check out this guide to learn everything about debt collector home
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James Heinz
Jul 145 min read
Steps to Remove Collections from Your Credit Report
Learn how to get collections removed from credit report by disputing inaccuracies, handling paid collections, and maintaining good credit ha
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James Heinz
Jul 146 min read
Understanding When to Use Consumer Credit Counseling
Credit counseling evaluates debts and living expenses, offering debt management strategies to achieve financial security with consumer credi
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James Heinz
Jun 125 min read
Credit Card Debt Payoff Planner and Tracker
Discover the benefits of using a credit card payoff tracker for managing and eliminating credit card debt effectively.
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James Heinz
Jun 94 min read
Nonprofit Consumer Credit Services
Learn about reputable nonprofit consumer credit services, their range of offerings, and benefits in debt management.
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James Heinz
May 294 min read
Understanding What a Credit Advisor Does
A credit advisor provides financial guidance on debt management and helps clients make informed financial decisions using personalized
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James Heinz
May 286 min read
Understanding Consumer Credit Card Relief Programs
Understand consumer credit card relief programs and how they can help manage or eliminate your credit card debt.
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James Heinz
May 287 min read
How to Manage Credit Score: Tips for Managing Your Credit Score Wisely
Discover key strategies to manage your credit score, focusing on timely payments and maintaining low credit utilization under 30%.
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