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Month: October 2025

How to negotiate a settlement with debt collectors.

How to negotiate a settlement with debt collectors.

October 9, 2025
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Understanding Your Debt Situation Before diving into negotiations with debt collectors, it’s imperative to fully understand your financial scenario. This begins with gathering all pertinent information about your outstanding debts. […]

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What is a judgment lien, and how does it affect borrowers?

What is a judgment lien, and how does it affect borrowers?

October 9, 2025
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Understanding Judgment Liens A judgment lien represents a legal claim that creditors can enforce to secure debt repayment from a debtor through a court ruling. This mechanism effectively offers a […]

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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

  • 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.
  • The process of recovering overdue payments.

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