Explore expert insights and guidance on understanding and navigating debt.
Explore our articles to learn about debt relief, debt settlement, debt consolidation, and various ways to handle your credit card debt, business loans, and much more!
When you borrow money from a lender or creditor, you are legally obligated to repay it. Therefore, if you are not holding up your end of the agreement, the lender or creditor can sue you. If the lender, creditor, or collection agency is successful in the debt collection lawsuit, it can result in a judgment […]
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When your credit card is denied and your checks bounce, having a frozen bank account can be a scary and stressful experience. A creditor freezing your bank account can be incredibly unpleasant, especially if you’re not expecting it. As the account holder, you may not even realize that you owe money to someone or that […]
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Dealing with credit card debt can be crippling. And if you’re looking for relief, you may be wondering if credit card debt forgiveness is possible for you. Credit card debt forgiveness can be a possibility in certain situations. Understanding when the option is available and how to achieve it can help you break free from […]
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The student loan debt crisis has worsened over the last decade, with an average balance of more than $30,000. If you’re struggling to keep up with your monthly payments, you may be wondering, “Can you settle student loans?”
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Consolidating debt can have a significant positive impact on your finances, especially if it helps you pay down your debt more quickly and with interest savings. But you may be wondering, “Does debt consolidation hurt your credit score?”
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If you’ve stopped making payments on a debt balance, your lender or a debt collection agency will likely start actively trying to collect within a handful of months. But states have instituted a statute of limitations on debt, which can help protect you from old debts.
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Merchant cash advances (MCAs) can seem like a lifeline for small businesses that need quick access to capital. They offer fast funding, are relatively easy to obtain, and can bridge urgent cash flow gaps when banks say no. But that speed and convenience often come at a cost; MCA agreements are notoriously complex, with high […]
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Merchant cash advances (MCAs) can feel like a lifeline when your business needs quick access to capital, but the repayment terms often become a serious financial strain. Unlike traditional loans, MCAs take a fixed percentage of your daily or weekly sales, leaving you with less flexibility to manage other financial obligations. If you’re juggling multiple […]
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If your business needs fast cash, you might be considering a merchant cash advance (MCA). But is a merchant cash advance the same thing as a loan? Not exactly, and understanding the difference can have a big impact on your business’s bottom line. Unlike traditional loans, which are repaid in fixed monthly installments with interest, […]
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You’re not alone if you’re juggling credit card balances but dreaming of a new home. Many buyers wonder if debt will block their mortgage approval. According to the latest numbers from the Federal Reserve Bank of St. Louis, the average American household carried $6,065 worth of credit card debt in 2024. Given these numbers, it’s […]
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Are you far behind on your credit card payments? You may be worried that your credit card company will sue you. This is a very real possibility, especially if you owe a large amount and haven’t made any payments for more than six months. But how often do credit card companies sue for non-payment? The […]
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If you’re behind on your credit card payments, there may be a handful of relief options available to you, including credit card debt forgiveness. Depending on your situation, you may be able to shave hundreds or even thousands of dollars off the amount you owe. How does credit card debt forgiveness work? Here’s what you […]
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Wage garnishment is one of several tools lenders and debt collection agencies have to help them collect unpaid debts. For example, if you stop making payments on your credit card debt, the lender’s first course of action will likely be collections calls and letters. But if you continue to miss your payments, the lender may […]
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Choosing to consolidate your debt is a big step, and working with the right debt help company can make all the difference. Before committing, though, it’s important to do your research. Asking the most important questions can help you avoid scams, spot hidden fees, and ensure you’re working with a reputable, trustworthy debt consolidation company. […]
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If you’re over your head with debt, debt settlement is one option for finding relief. This involves negotiating credit card debt and other loans to pay less than you owe. However, it can require time and skilled negotiation tactics, so many people choose to work with a debt settlement company. However, you might wonder if […]
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Your initial phone consultation is free and requires no committment!
A team member will respond within 1 business day.
Your initial phone consultation is free and requires no committment!
A team member will respond within 1 business day.
A Tayne Law team member will respond within
1 business day.
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