Recent content by FletcheXus

You can file paperwork at the courts to stop the garnishment if it prevents you from affording basic necessities.

Your commitment to staying current is commendable. With a low score and high debt, a standard consolidation loan will be very difficult. Instead, explore a secured loan using collateral (like a vehicle) through a local credit union, or a co-signer. These are more reliable paths for your specific...

Based on their description of third-party negotiation and fees, this sounds like a debt settlement program, not a consolidation loan. Settlement aims to reduce what you owe but harms your credit as payments pause. A consolidation loan pays creditors in full immediately, often with less credit...

I took the plunge and it's been a huge relief. Ditching the minimum payments has taken a massive weight off my shoulders. Yes, the fees are a drawback, but it's a small price to pay for peace of mind. I was literally making myself sick, and my marriage was on the line. This decision has been a...

Always live below your means, no matter your income.

You must consult a financial advisor and an insolvency trustee immediately. I strongly advise consolidating all your debts to stop wasting money on high interest rates and unnecessary fees like NSF charges. Cut all your credit cards right away this will ensure you only spend what you earn...

Let me be clear: a budget has been a game changer for us. With a combined take home income of $6,100, you and your partner are in a fantastic position. Living at home is a significant advantage don’t underestimate that. Here’s the bottom line: your credit card debt must be paid off as soon as...

It is essential to avoid using credit cards unless you can pay the full balance when the bill arrives.

Excessive access .Seamlessly easy to go online and make purchases. Everything feels urgent with the constant availability of online shopping and with two college students in the mix.

I'm CRUSHING it in the food delivery game, juggling Grubhub, DoorDash, and Uber Eats ALL AT THE SAME TIME. Part time, I'm raking in a solid $10k a year.

Pay off the Chase first but you need to pay a lot more than the minimum on the Cap One and Citi cards, or you'll get hit with backdated interest from the beginning balance.