Debt Planning

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Response to your Midweek Article (on Debt Collectors)

Please click here to visit the original article on working with Debt Collectors. Dear Mr. Chang, I am writing to you in response to your Midweek article for August 7, 2013 titled “Dealing with Debt Collectors.” My goal isn’t to dispute what you have written, which was well done, rather to add some context regarding personal responsibility […]
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Dealing With Debt Collectors

The Federal Trade Commission (FTC) recently slapped the largest civil penalty of $3.2 million on Expert Global Solutions, a third-party debt collector, for violating the Fair Debt Collection Practices Act (FDCPA). If you have been behind on paying bills or, in some cases, records mistakenly show you are, you may have had to deal with […]
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Teaching Children About Money

A middle-income family will spend roughly $250,000 to raise a child. For higher earners, it shoots up to $500,000! This is a large investment for anyone, but as any parent will tell you, an important one. A recent survey showed that 75 percent of parents believe their kids are “a little spoiled.” It is easy […]
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The Other Ways Lenders Judge You

Your credit score is one of the most important numbers in your financial life. It plays a huge role in buying a house, a car, getting loans, credit cards and even, in some cases, a job! Your credit score is primarily made up of paying bills on time, credit history, credit mix, recent inquiries and […]
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Are You Living Beyond Your Means?

Many financially savvy people understand that how you spend money is more important than how much money you make. Here are some signs that you may be living beyond your means. Being aware of these signs can help you keep your financial goals and protect you in case of emergencies. You don’t have an emergency savings […]
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Good, Bad And Ugly Types Of Debt

Over the past few decades the debt of U.S. consumers has increased to more than $2.5 trillion, according to the March 2012 Federal Reserve Statistical Release. This is just consumer debt. If you include mortgages, home equity lines of credit and other real estate debt, that number increases to $13.5 trillion! Debt in general should […]
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