Blog | Shepherd Outsourcing

James Heinz

Oct 211 min read

Understanding Debt Consolidation Loans

Simplify your finances with Shepherd Outsourcing by combining multiple debts into one loan and lower interest rates.

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Individual Voluntary Arrangements (IVA) Help and Advice on Debt Solutions

James Heinz

Oct 18 min read

Individual Voluntary Arrangements (IVA) Help and Advice on Debt Solutions

An IVA is a legal agreement providing structured repayment, typically with affordable monthly payments lasting 5 to 6 years.

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Understanding How to Calculate and Interpret Debt Management Ratios

James Heinz

Oct 16 min read

Understanding How to Calculate and Interpret Debt Management Ratios

According to Finance Strategists, a healthy Debt-to-Income Ratio (DTI) ratio is typically below 36%, indicating manageable debt levels.

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Addressing the US National Debt Dilemma: Potential Solutions

James Heinz

Sep 3013 min read

Addressing the US National Debt Dilemma: Potential Solutions

Shepherd Outsourcing will explore solutions for U.S. debt, aiming to stabilize it by reforming tax codes and addressing rising

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Debt Management or IVA: Which is Right For You?

James Heinz

Sep 3011 min read

Debt Management or IVA: Which is Right For You?

Debt Management Plans (DMPs) and Individual Voluntary Arrangements (IVAs) are two debt relief options in the United States.

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How Do Debt Management Companies Function and Generate Revenue?

James Heinz

Sep 288 min read

How Do Debt Management Companies Function and Generate Revenue?

According to the IBIS World, The Debt Management Company market size, measured by revenue, was $22 bn in 2024.

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Bad Debt: Management, Reduction, and Accounting Methods

James Heinz

Sep 2713 min read

Bad Debt: Management, Reduction, and Accounting Methods

According to USA Today, Americans owe $986 billion on credit cards, surpassing the pre-pandemic high of $927 billion.

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Managing and Reducing Technical Debt: Tips and Ways

James Heinz

Sep 267 min read

Managing and Reducing Technical Debt: Tips and Ways

Technical debt refers to the long-term costs and challenges that arise from making quick, short-term decisions in software development.

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Debt Consolidation vs Debt Settlement: Comparing Your Options

James Heinz

Sep 2010 min read

Debt Consolidation vs Debt Settlement: Comparing Your Options

When you are dealing with multiple credit cards, personal loans, or other financial obligations, managing debt effectively is crucial

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Oklahoma Debt Consolidation: Solutions and Alternatives

James Heinz

Sep 149 min read

Oklahoma Debt Consolidation: Solutions and Alternatives

If you're facing overwhelming debt in Oklahoma, you’re not alone. Many individuals find themselves struggling with credit card balances.

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Steps to Become Debt Free with Consolidation Programs

James Heinz

Sep 1313 min read

Steps to Become Debt Free with Consolidation Programs

According to the Federal Reserve, U.S. consumer debt reached approximately $17 trillion by the end of 2023, with credit card debt alone...

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James Heinz

Sep 1311 min read

Payday Loan Debt Consolidation Guide

Merge high-interest loans into lower-interest personal loans to provide financial relief with Shepherd Outsourcing. Learn more!

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Smart Ways to Solve the Student Debt Crisis

James Heinz

Sep 1310 min read

Smart Ways to Solve the Student Debt Crisis

According to the Lending Tree, Americans owed $1.74 trillion in federal and private student loan debt as of the second quarter of 2024....

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Understanding Debt Relief and Debt Consolidation Solutions

James Heinz

Sep 1310 min read

Understanding Debt Relief and Debt Consolidation Solutions

Shepherd Outsourcing helps you understand Debt Relief and Debt Consolidation solutions and advantages. Learn about Debt Management in detail

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Consolidating Debt Without Affecting Your Credit Score

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 1110 min read

How Does Debt Consolidation Work?

In the U.S., nearly 38% of adults have credit card debt, averaging around $5,500 per person. Then, how does Debt Consolidation help with...

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Strategies to Get Debt-Free by Paying Off Credit Card Debt

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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Strategies of Managing and Paying Off Small Business Debt

James Heinz

Sep 1011 min read

Strategies of Managing and Paying Off Small Business Debt

As of August 2024, small businesses in the U.S. hold approximately $800 billion in debt. Around 45% face significant repayment...

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Getting a New Loan on a Debt Management Plan

James Heinz

Sep 97 min read

Getting a New Loan on a Debt Management Plan

Shepherd Outsourcing helps you understand the need and get a loan with the best Debt Management Plan. Learn more about Debt Management.

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Thoughts on Debt Management Plan - A Good Solution?

James Heinz

Sep 99 min read

Thoughts on Debt Management Plan - A Good Solution?

Struggling with debt can feel like a heavy weight pulling you down. A simple Debt Management Plan (DMP) might just be the lifeline you...

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