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Many Americans find themselves struggling with the problem of credit card debt. When you owe large amounts of money to your creditors, especially when you have more than one debt, it can negatively affect your credit, leaving you with a bad score and bad reputation. Fortunately, there are some credit cards that can help you to gradually improve your credit. Generally, the best options for rebuilding or improving credit are cards that are secured.

The term underwater mortgage describes a home loan for which the homeowners owe more than the appraised value of the property. For example, you purchased your home for $200,000 with a no down payment loan, and the market value has since dropped to $150,000 or lower. According to 2017 data from the National Association of Realtors, more than 13 percent of homeowners fall into this category.

Many consumers say they don’t understand credit. The truth is, cards and loans are all forms of debt. It’s easy to acquire too much debt or have problems paying it back.

Many debtors take on credit card “loans.” It’s easy to forget to make payments on time. It’s also relatively easy to get into financial trouble by borrowing too much by borrowing the maximum the card will allow. 

If you're in danger of losing your home because you can no longer afford to pay the mortgage, you may have some recourse. Read on to learn more about how the foreclosure process works and how you may be able to save your home.

credit checkNo matter what your financial standing, it’s important to know your credit. That means you should be familiar with every aspect of your credit, including how your credit score is determined, what goes into your credit report and knowing how to spot the most common errors that tend to somehow leak onto your credit report. You should also know what a credit check is and how it can affect you.

consumer credit counselingTo understand the concept of consumer credit counseling, one must first understand what it is not. Credit counseling is not a loan product of any kind. It is not a service that is going to provide a person with a traditional debt consolidation loan, a bandaid or an easy fix. A credit counselor is not going to teach a person any tricks or shortcuts. What this person will do is guide a consumer back to financial health from any stage of financial ill health.

personal and business taxesEnd your IRS nightmare by hiring a tax attorney

If personal taxes or business taxes are leaving you stressed about your financial future, it may be time to consider hiring a tax attorney who has the legal knowledge to get involved on your behalf and solve your tax debt problems.

bankruptcy attorneyAre you overwhelmed with debt? You’re not alone. According to USA Today, more than 35 percent of Americans are delinquent on one or more of their monthly obligations. Adding credit card bills, child support, medical bills, utility bills, and other debts, it is estimated that the average person owes $5,200 in past due bills. 

Credit CounselingIf you're having trouble with debt, or aren't sure how much debt you're in, it's important to take a long look at it sooner rather than later. Rest assured, though, that there are multiple options to look into, and you won't be alone when you're trying to figure out your options. 

chapter 7 bankruptcyIf you are faced with divorcing your partner and may want to declare bankruptcy, it is important to consider how filing for bankruptcy will affect property you own jointly and separately. Whether you should file bankruptcy jointly or separately depends on the laws in your state regarding marital property.