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An introduction to credit
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    • Credit Scores
    • Credit utilization ratio
    • What is a creditor?
  • Credit card pitfalls
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    • Benefits of having a credit card
    • Common credit card scams
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Month: September 2025

The statute of limitations on debt in the US.

The statute of limitations on debt in the US.

September 23, 2025
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The Statute of Limitations on Debt in the US The concept of the statute of limitations on debt is a crucial element of consumer law in the United States. This […]

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How to set up a payment plan with creditors.

How to set up a payment plan with creditors.

September 16, 2025
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Understanding the Need for a Payment Plan Setting up a payment plan with creditors can be a strategic step to manage debts effectively. When financial circumstances make it difficult to […]

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The process of recovering overdue payments.

The process of recovering overdue payments.

September 9, 2025
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Understanding the Overdue Payment Recovery Process Overdue payment recovery is a structured and often necessary approach that businesses must adopt to ensure financial stability. It serves as a cornerstone strategy […]

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How to handle a debt collection letter.

How to handle a debt collection letter.

September 2, 2025
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Understanding Debt Collection Letters Receiving a debt collection letter can indeed be overwhelming, yet it is crucial to address it swiftly and effectively. These letters serve as formal notifications from […]

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Avoid the credit trap

An introduction to credit

  • What is credit?
    • Credit Scores
    • Credit utilization ratio
    • What is a creditor?
  • Credit card pitfalls
    • Charity credit card
    • Credit cards for young people
    • Benefits of having a credit card
    • Common credit card scams
  • Home equity line of credit (HELOC)
  • Mortgage loan
    • Interest only mortgage loan
    • Second mortgage
    • Mortgage points
  • Offshore Banking
  • Contact ACE
  • Resources

Latest

  • Steps to avoid defaulting on a loan.
  • How to negotiate a settlement with debt collectors.
  • What is a judgment lien, and how does it affect borrowers?
  • The statute of limitations on debt in the US.
  • How to set up a payment plan with creditors.

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