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Debt Management Archives

Which generation struggles the most with debt management?

Connecticut consumers of all ages and from all walks of life struggle with debt. However, there are certain groups that seem to have a harder time with debt management than others. According to Experian, people who are part of Generation X have more debt and lower credit scores than baby boomers or Millennials. 

Could your tax return help in your debt management efforts?

Tax season is just around the corner, and many Connecticut residents are already planning how to spend their returns. For those who are struggling with debt management, an influx of cash could take a nice bite out of an existing debt load. Understanding the best way to allocate a tax refund can help consumers make the most of this and any other windfall.

Handling debt management with bad credit scores

Trying to gain control over debt is important, both for financial stability and peace of mind. For many Connecticut residents, debt management becomes more challenging once their credit scores drop. Fortunately, there are still a number of tactics that can be used to gain control over debt, regardless of one's credit scores. 

Balance transfers could be solid debt management option

Many experts believe that interest rates will rise as the year comes to a close. For some Connecticut consumers, that could mean a significant uptick in their credit card debt payments. However, it's possible to lower your rate before that occurs. Balance transfers, when used responsibly, can be a powerful tool for debt management

Tips for post-bankruptcy debt management

Moving beyond a bankruptcy is a chance for Connecticut residents to make a clean financial start. For many, this is a time of excitement, when everything seems possible and the burden of excessive debt has been removed. In order to make the most of this financial freedom, it is critical to begin making smart budgeting and debt management choices. 

In debt management, some loans are beneficial

It takes some time to learn how to responsibly manage debt. For many Connecticut residents, these lessons are learned over many years of experience. Debt management is a skill, and improving one's knowledge on debt related matters makes it easier to make informed decisions and achieve one's ultimate goals. In certain cases, borrowing money can further long-term financial goals. That is especially true for those who have gone through the personal bankruptcy process and are trying to rebuild a base of financial security. 

Debt management relief on high-risk loans to help some consumers

Consumers in Connecticut and throughout the country will soon get a break against the debt traps that place unreasonable burdens on them to pay back all or most of certain debt obligations at once. The Consumer Financial Protection Bureau (CFPB) just finalized a rule that requires certain protections regarding payday loans, auto title loans, deposit advance products and balloon payments in some longer-term loans. The relief will assist some consumers in facilitating better debt management measures to keep their debt from burgeoning out of control.

Debt management: Tips for prioritizing student loan debt

Many Connecticut residents emerge from college with a hefty student loan burden to accompany their shiny new degree. When financial chaos strikes, student loan debt can place enormous pressure on already strained finances. Many people know that they need to create a debt management plan, but are unsure where to begin. Prioritizing student loans in relation to other types of debt is a great place to start.

Handling debt collectors during debt management efforts

Many Connecticut residents prioritize achieving financial stability over most other goals. Debt management is a process that can have numerous rewards, but it also takes a certain period of time to accomplish. During that time, debt collectors may come calling. Consumers need to know how to respond when contacted by a debt collection agency, and they should understand their rights and responsibilities in regard to debt collection efforts.

Here's how debt management can make or break a relationship

When Connecticut residents are looking for love, they have a certain set of requirements that they are hoping will be met. Among those is finding a mate that has achieved a degree of financial security, and who is able to manage money effectively. If those qualities are not present, then many people will simply move on to the next prospect. That is why achieving steady debt management is essential.

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