Author: EricG

Can You Sue a Business Over Their Debt Collection Practices?

EricGFebruary 07, 2020

Debt collectors are in the business of making money, which means they may go to extreme lengths to extract money from you. If you are monetarily indebted to a company, they have a legal right to try to obtain that money. Most businesses will use a debt collecting agency to try to obtain any funds that another party has failed to pay them. However, many debt collectors go far beyond what is considered legal. If you have ever been harassed by a debt collector, you most likely know how frustrating and stressful it can be. Some debt collectors misrepresent themselves and provide false information, although this is illegal due to the Fair Debt Collection Practices Act. If you feel that you had been the victim of harassment or oppression from a debt collection agency, you may be wondering whether or not you can sue. If a business has utilized a debt collection agency that has acted in an illegal manner, you have a right to sue that company. Here are some considerations to make before you file legal paperwork.

Study the Laws

If you think you have been harassed by a debt collection agency, you should first familiarize yourself with the actual laws that are currently in place. This information is readily available online and will give you an idea as to whether or not your case holds any water. If it is apparent that the debt collection agency has stepped out of bounds, you can start to create documentation of each incident. While most debt collection agencies are known for utilizing phone calls in an attempt to collect, they may repetitiously call and harass someone. A debt collector may use profane language and speak in a threatening manner, or maybe even threatened violence if debts are not paid. While this is an extreme example of harassment, these phone calls do take place from time to time. If something of this nature has occurred, it is a clear indication that you may need to take legal action. It is also incumbent upon the debt collection agency to reveal who they are when they call you. If you get calls from a debt collector who will not reveal their true identity, you may be in a position to take legal action. If you are unsure whether or not you have been harassed, familiarize yourself with current laws that are in place.

Create documentation

It is extremely important to create documentation and have this information readily available for your lawyer. If you are unable to prove that you were harassed, you are going to have a tough time winning a legal case in court. Even if you have been subjected to harassment, it is incumbent upon you to prove that this actually transpired. If you are getting regular calls from debt collectors that are of a harassing nature, it is a very good idea to start recording each phone call. Additionally, if you are able to get some proof on tape of illegal activity, it gives further credence to any incidents you may have documented from the past.

Talk to a Professional

If you decide that you want to pursue legal action, you are going to have to get yourself an attorney. The more information you provide them regarding your case, the better they are going to be prepared to win your case in court. More often than not, your case is going to come down to what you can prove, so make sure you have sufficient evidence for your claims. Consulting with a lawyer will also let you know whether or not you have a strong case, as most lawyers are unwilling to take cases that have a propensity for failure in court. Another option you may want to consider is simply making good on your debts. You might want to consult with a company such as Pacific collection Group, who may be able to make your debt more manageable. Utilizing Pacific collection Group is a great option for anyone that wants to avoid the hassles that come along with going to court. If you do decide to sue a business for their debt collection practices, it is likely going to cost you a lot of time and money. It can also be extremely stressful fighting a legal battle, which may wind up putting a lot of strain on your life. In many cases, it is much more beneficial and practical to simply work with a debt collection agency. Many collectors are more than willing to come to an agreement regarding debt payments.

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5 Business Tax Credits You Didn’t Know Existed

EricGJanuary 22, 2020

Tax season is upon us, folks! That’s right, it’s time to fill out those dreaded forms and spend hours upon hours figuring out how you can get the most money back and pay the least amount of taxes. Being a business owner is hard but what’s harder is the costs associated with the daily running of your business. You may be new to the business world or you might be a small business who doesn’t know about taxes or sales tax nexus and cannot afford a tax preparer or accountant to help you at this time of the year. That’s where we come in. We have the lowdown on some business tax credits that you may not be aware of and can help you maximize your tax return in 2020. Here is a list of the top five business tax credits of which you may not be aware.

Self-Employment Social Security

If you are self-employed you have to pay about 15% of your income to cover your Social Security payments. If you would like to, you have the right to take the deduction that employees do, which is 7.65%. This can be a credit as well as a deduction, in that it reduces the tax bill and you may get some money back.

Credit for Employer-Provided Childcare Facilities and Services

Everybody talks about encouraging single parents to go back to work but it is hard to work and look after a child. If you are an employee who offers employer-provided child care facilities and services ,you are eligible for a tax credit. The credit is capped at $150,000 annually.

Disabled Access Credit

If you are an employer with disabled workers and you make modifications to your business to support their needs such as disabled toilets and disabled access to the building then you are eligible for a tax credit to help recoup the costs of modifying your business in order to allow your disabled employees to work comfortably.

Orphan Drug Credit

The orphan drug credit incentivizes pharmaceutical companies towards creating and Manufacturing drugs to help treat rare illnesses suffered by a small pool of patients. The credit is geared towards pharmaceutical companies who cannot turn a profit on such drugs because there is a limited number of patients with that condition.

American Samoa Economic Development Credit

Have you thought about taking your business overseas? Well, the IRS incentivizes business in American Samoa and its Economic Development. If you are a business who has contributed to the economic development of American Samoa, then there is a tax credit for you to help you recoup the costs of helping to develop the economy in American Samoa.

In truth there are a multitude of tax credits for business owners small or big depending upon their business many of the other tax credits available are centered around renewable energy or energy efficient vehicles or modifications to businesses. If you need help to navigate your taxes this season, including sales tax nexus, sales tax law, or a sales tax audit, there are a multitude of tax experts standing by ready to help you navigate your taxes in 2020.

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What Are the Types of Business Law?

EricGJanuary 16, 2020

Every business will encounter legal matters at some point. When you start your business, when you engage in contracts, buy property or plan for your taxes, legal advice can help you in a variety of ways. An attorney can operate as an important partner in protecting your business in regard to legal matters. Douglas Healy offers his legal expertise in business law to companies in Springfield, MO, and surrounding areas.

Business Formation & Dissolution

One of the first actions you will take as a new business owner is to decide what form your enterprise will take. This decision can be very important because it can affect how much you will pay in taxes, as well as how you will take money out of the business for your own needs. If you are in partnership with another person in your business, you will have to carefully determine percentages of ownership, duties regarding business operations and what will happen if one party wishes to leave the partnership. A skilled business attorney can help with these issues that require careful legal advice and documentation.

Employment Law

Employment law has become an important part of the business law category. As the number of rules and regulations has increased, businesses have had to take specific steps to ensure they remain in compliance with these laws. Disputes about discrimination, payment of wages, termination, workers’ compensation, and other matters can costly. Your attorney can help to ensure that you are doing all you can to stay abreast of new developments in employment law and are fully compliant with its requirements.

Commercial & Contract Law

Businesses often engage in contracts with customers or suppliers that involve pricing, delivery, quality control, and other matters. Sometimes, disputes arise when a product is not delivered on time or when the item does not comply with stated specifications. These disputes can be costly to businesses and can cause significant losses in revenue. A business attorney can help to resolve contract disputes to help prevent financial loss. Contract attorneys may also be consulted in regard to property leases or equipment leases, to protect the interests of their clients.

Tax Law

Businesses are often subject to a wide range of tax requirements. Tax laws can change frequently and understanding how to minimize your tax exposure can help you to maintain your company’s financial stability and increase your individual wealth.

Attorneys may specialize in tax law to help businesses comply with current tax laws and plan for changes that often occur in these laws. When a tax problem arises, they can help to resolve the issue successfully for all parties involved.

Mergers & Acquisitions

Mergers and acquisitions law involves legal matters involved in the buying, selling and merging of businesses. You may need a lawyer to look at contracts involving buying an existing business, or you may have a buyer for your own business. Mergers and acquisitions attorneys ensure that your financial interests are properly protected and that all legal requirements are followed to ensure a successful transfer.

Trademark Law

When marketing and advertising your business, you may run into trademark violations in regard to logos or other matters. Your name, motto or logo may be too similar to an established business, which can trigger cease and desist orders, as well as expensive lawsuits. An attorney experienced in trademark law can you avoid these matters or settle disputes in an effective manner.

Public Offerings

In some cases, a business may become so large and lucrative that the owner decides to sell stock to the public to raise money for investing in the enterprise and to pay dividends to those who invest. This action requires a wide range of official documents and requirements that must be fulfilled. An experienced attorney can help to ensure that all laws and statutes are considered when making this important step for a successful business.

When you are in business, a number of issues may occur that require legal advice from an attorney with a strong background in business law. A skilled attorney can save you money, time and stress when complex matters arise. Call Douglas Healy today to help with business issues that affect the financial health and legal compliance of your enterprise.

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Cyrus Baseghi Shares How to Start an Online CBD Business That Won’t Land You in Legal Trouble

EricGNovember 26, 2019

The CBD industry is an incredibly lucrative one. As this industry is expected to be worth $16 billion by the year 2025, adventurous entrepreneurs are often keen to get in on the ground floor of this market with their own CBD businesses. However, growing a profitable CBD company presents more challenges than a typical startup. Consider the following tips if you’re thinking about starting your own CBD company:

1. Understand Basic Business Practices

Entrepreneurs that are interested in launching their own CBD company should approach it as they would any other startup. Aside from the fact that they’re selling CBD, the same business practices should apply. With an overwhelming number of people gaining interest in using cannabis for medical and recreational purposes, entrepreneurs interested in CBD can take advantage of this explosive industry.

2. Know Your Legal Obligations

While you can begin your CBD company in the same way you’d launch another business, there are a few key legal distinctions that apply to this industry. As of right now, CBD is still in a grey area. Federal law has yet to legalize cannabis use, making it illegal for businesses to market CBD products as having health or medical benefits. As a result, many businesses that previously sold CBD infused beverages and foods were forced to pull their products off the shelf.

With such a complicated legal landscape surrounding cannabis, entrepreneurs that hope to make selling CBD products their business must tread lightly. According to Cyrus Baseghi, business owners must carefully research the laws in their state and region to determine what they can and cannot sell. With the ever-changing laws in the CBD industry, entrepreneurs must carefully stay abreast of changing developments as the FDA sets forth new regulations.

3. Market Your Products Appropriately

As the laws surrounding the selling of CBD are quite unclear, business owners have to be particularly wary of how they market their products. Advertisements for CBD companies that are too explicit may land business owners in legal trouble. To illustrate, entrepreneurs that try to promote their CBD products through eBay, Amazon, or social media will find it nearly impossible as these platforms often threaten such accounts with bans or suspensions.

To attract a following of new customers, entrepreneurs often have to drive their own growth through organic content that doesn’t overtly promote CBD. Experts like Cyrus Baseghi share that successful advertising for CBD products requires a fair bit of creativity and discretion. Entrepreneurs often create their own eCommerce stores to sell their CBD wares online. Similarly, many business owners rely on word-of-mouth to attract clients to their brick-and-mortar stores. This way, they can avoid all the legal grey areas online and still profit off of the ever-expanding cannabis market.

4. Get Creative with Funding

Entrepreneurs often find it challenging to get funding for their new business endeavors. With CBD, the process of finding funding is much more challenging thanks to the legal confusion surrounding cannabis. As many lenders and banks are hesitant to provide funding to CBD companies, many entrepreneurs have to either finance their business themselves or go outside the typical avenues for financial support.

Don’t miss out on getting in on the CBD market. If you want to start your own cannabis business, be sure to keep these tips in mind

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Everything You Need to Know About Hiring a Personal Injury Attorney After a Car Accident

EricGSeptember 09, 2019

When you’re involved in an auto accident, hiring a Tampa personal injury attorney is among the first things you’ll need to do. However, it’s important to ensure you hire the best attorney for your type of case. Among personal injury lawyers, there are those with varying levels of experience and those that specialize in specific types of cases. As you conduct the initial consultation with each attorney, you’ll have an opportunity to interview the attorney to determine if he or she is qualified to represent you. Knowing the right questions to ask can help you.

What Kind of Personal Injury Experience Do You Have?

This is an opportunity for the attorney to sell himself to you just as you would do in a job interview in your own life. Since you were involved in a car accident, it won’t do you much good to hire a lawyer who solely handles medical malpractice cases. Don’t let the lawyer persuade you to hire him even though you feel he’s a wrong fit. If he doesn’t have the experience you need, thank him for his time and end the consultation.

How Many of Your Auto Accident Cases Had Favorable Outcomes for Your Clients?

An ethical attorney won’t give you details about his past cases, but he can generalize the information in response to your question. This will be enough to tell you how many of the lawyer’s past clients had favorable outcomes. Getting a sense of the attorney’s track record through this type of question will give you a stronger impression of how he will perform for you. If you don’t think he has performed well for past clients, it may be best to consider another attorney.

Can I Read Previous Client Testimonials?

If your Tampa personal injury attorney maintains a website, chances are good that he or she will have posted favorable client testimonials on the site. While you’re online, take a look at sites like the Better Business Bureau and Yelp. In looking up the attorney on these sites, you can read through a wider range of client reviews. Reading both good and bad reviews will help you obtain a better understanding of the attorney’s methods. While some bad reviews are to be expected, an overwhelming number of negative reviews may suggest that the attorney or firm isn’t the best to handle your case.

Have You Ever Been Sued or Suspended from Practicing?

While every attorney is going to have their share of bad experiences, having been sued for legal malpractice is a red flag. Just as you would think twice about seeing a doctor who was the target of a medical malpractice claim, you may be better off to avoid hiring an attorney who was sued by a previous client. Additionally, an attorney who had his license suspended in the past may indicate a problem with ethics. It’s better to avoid these kinds of lawyers altogether.

These questions can help you choose a better personal injury attorney, but feel free to add questions of your own. It may also be important to discuss the attorney’s fee schedule and his strategy for representing you. During your initial consultation, try to find out as much as you can about the attorney. Gathering more information will help you make a better decision as to which attorney will offer you the best possible representation

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Punch Associates Discuss How to Keep Your Check From Being Garnished For Defaulted Credit Card Debt

EricGSeptember 02, 2019

With interest rates on credit cards in this country averaging around 14 percent and moving to upwards of 20 percent for those who have poor credit, it is no wonder that people are suffering from some intense negative consequences of these predatory interest rates.

Here at Punch Associates, a firm that has solutions for people in debt, we often field questions about one negative consequence of debt, wage garnishment. The following, although not legal advice, is some important information about this sensitive situation.

What is a Wage Garnishment?

Wage garnishment is a legal process through which a creditor or a group of creditors are allowed to legally take a portion of your after-deduction wages from your paycheck if you default on a debt.

When Can a Credit Card Issuer or Creditor Garnish Your Wages?

In the case of defaulted credit card debt, the credit card issuer or another company that purchases the debt needs to fulfill a few requirements before they can just call your employer and take a portion of your wages. According to Nolo Press, they have to sue you and get a judgment against you as well as an order from the court to garnish your wages.

How Much Can Be Garnished?

The percentage of your after-tax wages that can be deducted will vary by state. According to Nolo Press, the federal guidelines in most cases is that 25 percent of your after-tax earnings can be taken out from your paycheck until the debt is paid.

How Much is the Debt?

A really big issue in all of this is that the credit card issuer has likely also assessed penalties and fees and added these to the principle.

What Steps Can I Take to Stop the Garnishment?

Nerdwallet states that that window to object to wage garnishment can be as short as five days. If you have been sued, you will need to respond immediately to the court and provide any paperwork that backs up your claims. The paperwork you receive with the notice of the lawsuit will show you how to respond.

Possible grounds for stopping a garnishment of wages include:

You already paid the debt.
A portion of your income is exempt from garnishment, such as social security wages.
You have already discharged the debt in bankruptcy.
The garnishment will keep you from paying for necessities, such as rent or food.

If you are challenging the garnishment because it will keep you from providing yourself necessities of life, you will need to fill out a claim of exemption with the court and also detail your finances. In any of the other cases, you will need to attach proof of your claim.

Bankruptcy will also stop a garnishment, but it is a really extreme measure that one should only pursue with the help of an experienced bankruptcy attorney. The judgment will stay on your credit score for up to ten years.

Can My Employer Fire Me for a Wage Garnishment?

Obviously, employers don’t like to be bothered with having to send a portion of your paycheck elsewhere each pay period. According to Nolo Press, federal law will protect you from an employer who fires you for one wage garnishment. If you have more than one wage garnishment, these protections end.

Can They Garnish My LLC’s Bank Account?

According to the San Francisco Chronicle, if the debt is personal, but you co-mingled your own personal funds in your LLC’s bank account, a judge may allow for garnishment of your LLC’s bank account as well.

How Can I Get a Better Handle on My Debts?

Rather than default on debt, it is good to try to reduce the interest rate you are paying. One means of doing this is through a balance transfer card. They are often offered at zero percent interest for a limited amount of time, usually 12 to 18 months. If you could pay off your debts within the zero percent window of time, they might be a good option.

For consumers who have more debt than they could pay off in a year or so, a debt consolidation loan allows the borrower to pay off their high-interest credit cards and stretch their payments out from three to seven years, often at a lower interest rate. At the lower rate, you will be paying down more of the principal each month.

At Punch Associates, we have solutions for people who are experiencing problems due to heavy debt. Contact us for answers

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Keel Associates Discusses the Statute of Limitations on Credit Card Debt

EricGAugust 25, 2019

Only now does the truth appear to be emerging that most everyone already knows – the economy never really emerged from the Great Recession a decade ago. Many women have resorted to starting micro-enterprises in order to keep bread on the table. Millennials are suffering under massive student loan debt, afraid to marry or buy homes. Some people work two or three jobs to earn a “living.”

Since many have had to resort to heavy credit card debt in order to stay afloat, at Keel Associates, a consumer and business debt solutions firm, we are often asked about the statute of limitations on credit card debt. There are simple answers by state, but the statute of limitations is only a piece of the picture if you owe credit card debt.

What is a Statute of Limitations –

According to NerdWallet, the statute of limitations is the time period within which a creditor may sue you for an outstanding debt. The statute of limitations begins when the debt is owed and has not been paid. The statute of limitations in your state will vary by the type of debt you owe. Here, we will focus upon credit card debt.

Statute of Limitations on Credit Card Debt –

Most all states set the statute of limitations for open-ended debt, such as credit card debt, at three to six years. As of 2019, there are only two states with a longer statute of limitations on credit card debt, Rhode Island at 10 years and Wyoming at eight years.

Does the Statute of Limitations End My Obligation? –

No, the statute of limitations solely limits the time frame for suing you. According to The Balance, you still owe the debt until either the creditor cancels the debt, you pay it or you are able to use the bankruptcy process to discharge it.

What About My Credit Score? –

According to the U.S. government’s Consumer Financial Protection Bureau (CFPB), your credit score will be adversely affected for seven years on a debt that you are no servicing. Your protection under the Fair Credit Reporting Act kicks in at the seven year mark and ends the creditor’s ability to post the blemish on your credit record.

Creditor Contact –

The creditor can continue to contact you in order to ask you to repay the debt after the statute of limitations has passed. According to The Balance, if they are still contacting you, you can send a cease and desist letter to get them to leave you alone.

Important Points –

According to the Consumer Financial Protection Bureau, the statute of limitations in your state is often extended when you admit in writing you owe the debt or make a payment.

According to The Balance, some creditors try to sue people for credit card debt after the statute of limitations has passed. That is why it is important to keep records of when you stopped being able to make payments and go to court if sued in order to fight for your rights. The CFPB states that it is a violation of the Fair Debt Collection Practice Act if a creditor sues you for a debt after the statute of limitations has passed.

Also, according to WalletHub, if the creditor wins a lawsuit against you in court, your statute of limitations protections are permanently removed.

Contact us at Keel Associates if you are struggling under heavy credit card debt. We have solutions to help consumers and businesses get their finances back on a safe and secure footing

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3 Benefits Of A Web Based CRM Software

EricGJuly 29, 2019

Many companies do not have considerable marketing experience and are not exactly sure where to start when it comes to marketing their products. As a result, CRM (Customer Relationship Management) software has become a growing part of marketing suites across the country. This software does many things that individuals have done at companies for years. But it is still a powerful tool that can aid with a company’s bottom line and help it gain an advantage over its competitors.

Automated sales campaigns

CRM software helps companies launch automated sales campaigns. These campaigns can greatly aid the bottom line of a particular company. CRM software can design and then send ads to hundreds or thousands of email subscribers. It can create paper advertisements that can be mailed across the country or around the world. This process reduces the need for companies to have marketing professionals with graphic design experience. It also reduces the human element from a sales campaigns. Human workers can become busy and forget about an important sales email that has to be sent on a particular date to meet a deadline. CRM software helps those companies keep track of their sales campaigns and ensure that those campaigns are frequent and held to high standards.

Manage relationships

Pest control CRM software is essential for managing relationships in the pest control industry. It can display all of the reviews that a company has along with the contact information from those individuals. CRM software can provide reminders and templates for how to respond to individuals. It can also send out regular emails on designated days. This management is imperative for companies in the 21st century. A company in the pest control industry can be devastated by a single negative review left at the wrong time and worded in the wrong way. The best way to fight back against those reviews is to respond to them quickly and in a polite manner. A vigorous, friendly response is the best way to convince the original power to take down the negative review.

Reduce sales and management stress

The sales process contains a considerable amount of stress. Individuals have to contend with customers that leave a company or cannot be easily contacted. Vendors often charge more than anticipated and marketing campaigns can fail. These problems distract marketing employees and take them away from the personal relationships that cannot easily be automated. Pest control CRM software can increase the amount of time that marketers have to do other aspects of their job. It can reduce the time that it takes to launch sales campaigns and respond to customer concerns. Marketers can have more time building relationships and meeting with upper management to determine funding levels and the overall structure of marketing campaigns.

Any company considering CRM software needs to see if the software can meet their budgetary constraints. This software can sometimes be expensive. But if the company has enough money, they should look at their marketing functions and strongly consider enlisting its help. CRM software may mean the difference between success or failure for a company that is looking to build its brand and customer base.

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5 Tips from Trout Associates That Will Make It Easier to Pay off Your Existing Debts

EricGJuly 24, 2019

If you are currently dealing with debt, you are far from alone.

Via Debt.org, the total amount of consumer debt held by people in the United States is at $13.51 trillion. The bulk of that debt is a result of money owed on mortgages (over $9 trillion), but the figures also indicate that Americans collectively owe in excess of $3 trillion due to auto and student loans.

Owing money is inevitable sometimes and there’s nothing inherently wrong with that. As financial experts such as Trout Associates note, the real problems arise when you are unable to make payments.

For those eager to learn how to manage their debt better, the pointers listed below should prove quite helpful.

1. Secure Stable Income

For many people, the reason why they are unable to pay off their debt isn’t because they are irresponsible or because they don’t want to fork the money over. It’s simply because they may not have the money to pay in the first place.

If you don’t have a reliable source of income, securing the funds needed to make those scheduled payments on your loans will prove nearly impossible.

It won’t be easy, but you should try to find a stable source of income if you want to be capable of consistently paying off your loans.

For those entrepreneurs still trying to get their business off the ground, it’s not a bad idea to apply for a day job with a fixed income. You can then use the income from that job to make debt payments.

2. Curtail Your Spending

Old habits really do die hard, don’t they? Even if you’re aware that your financial situation has changed after taking out a new auto loan or perhaps a mortgage, you may still end up maintaining your spending habits.

You simply cannot afford to continue down that path though.

It’s time to wake up to the realities of your current financial situation and make the adjustments necessary. If you went out on the weekends together with your friends or family prior to taking out the new loan, you should trim that back to once every two weeks or something more reasonable.

You may also be able to cut down on living expenses by shopping for food and other supplies smarter. For instance, buy tougher cuts of meat. Even though they take more effort to cook, they can still be filling and the best part is that they are usually more affordable.

Making those financial sacrifices are tough, but they are necessary if you want to climb out of the hole created by your debts.

3. Use Extra Income to Pay Off Debts

Every now and then, you may end up with some extra money in your pocket. Maybe your performance at work proved exceptional recently and thus you were rewarded with a well-deserved bonus, or perhaps your small business had its best month yet.

With all that surplus money, you may be thinking about getting something nice for yourself. An occasional treat is welcome, but don’t overdo it. That extra money you earned is still best spent paying off your existing debts.

In the moment, spending your bonus that way may be unappealing, but your finances will thank you later on and that’s what really counts.

4. Improve Your Credit Score in Underutilized Ways

Improving your credit score may not seem to have anything to do with paying debts since the loans have already been taken out, but they can indeed be connected.

To improve your credit score, there are things you can do such as simply paying on time, but there are other underutilized methods of increasing a credit score.

For instance, leaving an account open even after you’ve cleared the debt previously linked to it can help to boost your credit score.

You can also take the time to check out your credit reports to see if they are completely accurate. Mistakes on your reports can lower your credit score. Addressing those errors and having them fixed can do wonders for your credit rating.

5. Consider Consolidating Your Debts

How will improving your credit score make it easier for you to pay off debt? For starters, that improved credit rating can help you secure a lower interest rate on your debt consolidation loan.

Debt consolidation makes it easier for you to keep track of your debts because they are now bundled together into one payment. You don’t have to set aside money for different times of the month for your debt payments.

Furthermore, if you can land a debt consolidation loan with a lower interest rate, you may end up having to pay a smaller amount of money monthly than you did previously.

The Balance notes that there are four types of debt consolidation options, with those being a debt consolidation loan, a debt consolidation credit card, a 401k loan, and a home equity loan. Debt consolidation loans and debt consolidation credit cards are the preferred options because they are accompanied by less risk.

Trusted minds in the financial industry such as Trout Associates always remind people that debt is something that can be properly managed. Debt won’t be able to ruin you financially if you remain responsible and utilize all the tools at your disposal.

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Colby Lee Burke Hilton Head Resident Discusses The Island

EricGMay 23, 2019

Colby Lee Burke Hilton Head resident discusses the island and more.

I focus on cultural activities as well as restaurants, accommodations, and natural features. Most of my readers are culturally savvy and they appreciate tips on the newest museums, music performances, and city festivals around the world… Hilton Head is a fantastic place. The atmosphere is so relaxed. I enjoy being there because it feeds my soul.
Colby Lee Burke on Primopreneur Interview

To read the full interview please visit: https://www.primopreneur.com/interview-with-travel-writer-colby-lee-burk-hilton-head/

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