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Charles Phelan

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Charles Phelan is a former executive in the debt settlement industry and a debt coach who helps people get out of debt without bankruptcy. He teaches do-it-yourself debt negotiation at ZipDebt.com, and provides consultations for second mortgages and HELOCs via SecondMortgageAdvice.com.

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HELOC
Why You Should Settle Your Defaulted Second Mortgage or HELOC Now
The credit bureaus are worried about the $265 billion of home equ... read more

October 16, 2015

Managing Debt
Foreclosure Declines Continue
The New Foreclosure Threat: Troubled HELOCs & Second Mortgages
Prior to the financial crisis of 2008, when the real estate marke... read more

October 13, 2015

Mortgages
The Pre-Recession Housing Problem That's About to Slam Homeowners
The Pre-Recession Housing Problem That’s About to Slam Homeowners
The home equity line of credit (HELOC) had been around for many y... read more

March 6, 2015

Mortgages
7 Signs Your Credit Card Debt Is About To Implode
7 Signs Your Credit Card Debt Is About to Implode
As we move into 2013, U.S. consumers are carrying balances exceed... read more

January 11, 2013

Credit Cards