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It's really positive that you contacted them and managed to reduce the payments, and if the accounts are closed, that's alright over time, as you pay them down, it should benefit you since they're reporting favorably to your bureau. I'm genuinely relieved you avoided bankruptcy. Perhaps the...

I undertook a voluntary repossession, yet the arrangement required me to continue making payments until the loan balance was settled. Looking back, I'm not entirely sure I would choose to go through that process again.

You might consider calling JG Wentworth. I’ve heard they offer debt consolidation programs that could potentially stop the interest and perhaps help negotiate a lower settlement amount. Speaking from my own experience, I tried it the process took about two years, but it seems to have helped me...

If you happen to believe these are “safe” because they’re “property,” it might be worth considering what happened with City Pacific or MFS, or perhaps other Gold Coast based mortgage funds and similar schemes that collapsed during the GFC. It seems many of those ended up causing investors to...

Easy, add super, tax deductible, for 30 years.

I used to be a light vehicle mechanic, but then.I moved over to diesel, and eventually, I started driving trucks myself. The hours are long, but the pay matches the effort. These days, I’ve found a pretty sweet gig that offers more flexibility I can skip a northern run if the finances are...

I recently received an Indigo credit card a few months ago. However, my name was misspelled, which cased my payments to be rejected each time I tried to make one. Now, they've canceled my card, charged it off, and are reporting late payments. I had been managing my credit well until this...