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Gerri Detweiler

Contributor |  In Personal Finance, Managing Debt

Gerri Detweiler focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.

Does a Business Loan Affect Personal Credit?

Credit Score

Does a Business Loan Affect Personal Credit?

Does a Business Loan Affect Personal Credit?

When starting your own business, funding can be a big hurdle—in more ways than one. And if you’re not careful, the lines between business credit and personal credit can get blurry. As you start setting up your business accounts, make sure you understand your business financing options and how they may affect you personally. Here’s... Read More

Can a Debt Collector Collect After 10 Years?

Managing Debt

Can a Debt Collector Collect After 10 Years?

Can a Debt Collector Collect After 10 Years?

Whether you have medical debt, credit card debt or unpaid student loans, getting calls or letters from debt collection companies can be frustrating. But it’s especially frustrating if your debt is several years old. If you have debt on your credit reports or are getting calls from a collection agency, you might wonder how long a debtor can try to collect... Read More

What Is a Good Interest Rate?

Credit 101

What Is a Good Interest Rate?

What Is a Good Interest Rate?

With interest rates steadily climbing since after the recession of 2007, it’s important to be aware of what is a good interest rate when you’re planning on financing, whether it’s for a car, a home or your education. Take a closer look at what’s happening with interest rates in 2019 below and how you can... Read More

How to Pay Collections

Managing Debt

How to Pay Collections

How to Pay Collections

When you’re trying to conquer unpaid debts sent to collections, two of the biggest obstacles you face are coming up with enough money to pay off the debt and negotiating a payment plan or settlement you can afford. Once you’ve accomplished these tasks, you may still be wondering how you pay collections to a debt... Read More

5 Reasons for Credit Card Closure

Credit Cards

5 Reasons for Credit Card Closure

5 Reasons for Credit Card Closure

Having a wallet full of plastic can be a big temptation to overspend, which can lead to missed payments and a decreased credit score. If too many credit cards have you busting your budget, this might be a good reason for credit card closure. On the flip side, closing a credit card may hurt your credit score by messing... Read More

What to do When You Owe More than a House is Worth and Want to Sell

Mortgages

What to do When You Owe More than a House is Worth and Want to Sell

What to do When You Owe More than a House is Worth and Want to Sell

Javier Gonzales is legally a homeowner, but he says his first instinct is to say “no” if someone asks. This is because he hasn’t made the mortgage on the townhome he bought in years, and he doesn’t live there anymore. Gonzales says he owes $476,000 on the townhome, which is only worth around $263,000. “I don’t care... Read More

Dealing with a Credit Report for the Deceased

Credit Score

Dealing with a Credit Report for the Deceased

Dealing with a Credit Report for the Deceased

While it’s not something many people think about until faced with the issue, obtaining a credit report for a deceased person is important. It’s important to remember that the death of a loved one can impact your finances. You may need to make sure the credit report is accurate and take stock of any creditors you need to... Read More

I Gave My Social Security Number to a Scammer, Now What?

Identity Theft

I Gave My Social Security Number to a Scammer, Now What?

I Gave My Social Security Number to a Scammer, Now What?

Let’s face it: your Social Security number is probably out there somewhere. This federal identification number is used for so many purposes—from tax forms to credit apps to student information forms—that it exists in myriads of places. And while organizations that ask for personally identifying information, including your Social Security number (SSN), do have an obligation to keep... Read More

What Happens If You Lie on Your FAFSA?

Student Loans

What Happens If You Lie on Your FAFSA?

What Happens If You Lie on Your FAFSA?

Every student getting ready for college is hit with the reality of how expensive higher education can be. It might be tempting to lie on the FAFSA. However, lying on FAFSA can come with serious consequences. You could face criminal charges of fraud, and most of the time, you have to payback any financial aid you received under false pretenses. Find out... Read More

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