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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.
James Heinz
Sep 26, 20247 min read
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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
James Heinz
Sep 20, 202410 min read
18 views
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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.
James Heinz
Sep 14, 20249 min read
7 views
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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...
James Heinz
Sep 13, 202413 min read
9 views
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Payday Loan Debt Consolidation Guide
Merge high-interest loans into lower-interest personal loans to provide financial relief with Shepherd Outsourcing. Learn more!
James Heinz
Sep 13, 202411 min read
3 views
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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....
James Heinz
Sep 13, 202410 min read
10 views
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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
James Heinz
Sep 13, 202410 min read
9 views
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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
James Heinz
Sep 11, 20249 min read
6 views
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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...
James Heinz
Sep 11, 202410 min read
14 views
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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.
James Heinz
Sep 10, 20246 min read
3 views
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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...
James Heinz
Sep 10, 202411 min read
15 views
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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.
James Heinz
Sep 9, 20247 min read
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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...
James Heinz
Sep 9, 20249 min read
7 views
0 comments


Writing a Debt Validation Letter: Template and Guide
Here is a sample debt validation letter that confirms debt ownership, required amount, and provides legal protection to the debtor.
James Heinz
Aug 26, 20248 min read
23 views
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Challenges of Medical Debt in the United States
Despite having health insurance, many Americans face significant healthcare debt, impacting financial stability and health outcomes.
James Heinz
Aug 26, 20245 min read
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Identifying Legitimate Debt Collectors and Scams
Learn about distinguishing legitimate collectors from scams, with strategies for consumer impact recovery in debt scenarios.
James Heinz
Aug 25, 20245 min read
18 views
0 comments


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.
James Heinz
Aug 25, 20246 min read
7 views
0 comments


Understanding How a Debt Relief Program Works and Who Qualifies For It
Learn how a debt relief program works, from negotiating debts to understanding different types like settlement and consolidation.
James Heinz
Aug 25, 20245 min read
9 views
0 comments


Guide to Negotiating Debt Settlement on Your Own
DIY debt settlement can save time and avoid fees while settling debt for less, but requires delinquency and strong negotiation skills.
James Heinz
Aug 24, 20245 min read
30 views
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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.
James Heinz
Aug 24, 20245 min read
13 views
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