Fix Your Debt, Credit and Finance Problems Helping you fix your credit and debt problems

Spending more than you make? Ask yourself before you make a purchase; Can I afford this? Keep track of your expenses for an entire month and compare it to your income. Make sure that you are spending less than you earn, and figure out where you can afford to reduce monthly spending. You can do this by eating out less and eating at home more, or buying store-brand groceries instead of higher prices brands. That meal at McDonald’s won’t drain your bank account by itself, but five to ten of these meals a month can put a serious dent in your pockets. Do not forget to plan for your expenses that come around annually or bi-annually such as car insurance or property taxes.

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Close Your Inactive Credit Accounts with Zero Balance Sample Letter

Having inactive credit accounts with zero balances can hurt your credit score. You should consider having to close inactive credit accounts by writing a letter to the creditor requesting that the account be closed and to change the status to,”closed by consumer” reported to the consumer credit reporting agencies.

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Stop Debt Collectors from Calling You.

You are home trying to relax, but debt collectors are calling you every single day trying to demand payment of a debt. You try to ignore the calls, but they keep persisting, sometimes calling you alot in one day. You want to put a stop to this because these debt collectors are being relentless and are now harassing you and your family for a few weeks and months now. This is stressing you out amongst other problems you may have going on in your life, and you want to put a stop to the harassing phone calls from these debt collectors.

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Judgement-Proof Execution-Proof Letter to Creditors or Debt Collectors

This letter is your way of telling creditors or debt collectors that you do not have any income, assets, or money at all. This situation can happen if you owe money but because of some unforseen reason, you end up losing your income and you cannot afford to pay your debt.  You may have attempted and tried to explain this to the creditors or debt collectors, but they totally ignore you and persist on calling you often.

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