Ethel Schaaf

Things to Expect When Negotiating Debt Settlement

The 70s brought many changes to society. The 70s certainly brought improvement and convenience in terms of finances and banking. Credit cards first appeared in the 70s, changing the financial landscape from that point onward. When the 80s and the 9... Read >

Steps to Take for Better Debt Settlement Negotiations

When most adults think of their grandparents, many assume that the latter’s lifestyle was inconvenient. Technology was limited and communications were prohibitive, because some areas didn’t even have electricity. However, if there’s one thing that most el... Read >

How to Keep Yourself Out of Debt

When the financial crisis hit the US, many companies suddenly needed more cash in order to stay in business. Companies like banks and other lending institutions needed to collect as much as they can from debtors, to use these payments as funding to ward o... Read >

On Getting Back Your Debt Free Life

If you know you’re in debt, then you probably want to get out of the situation as fast as you can. Creditors often charge interest rates for debts, and these interest rates eventually pile up once left unpaid. While many people think that they can get out... Read >

The Benefits of Debt Settlement Services

When people think of debt settlement, they may think of it as a simple process. Many have the idea that they can walk into their creditor’s office, talk to the creditor, and walk away with a debt settlement without breaking a sweat. Since people have trie... Read >

Signs of a Fraudulent Debt Settlement Service

In the US, the financial crisis left many people with debts because of the massive employment layoffs. Many considered debts manageable if only they didn’t suddenly face higher interest rates or reduced income. People feel uneasy about debts these days be... Read >

A Helpful Guide in Choosing a Debt Settlement Company

Some findings state that acceptance is a process with stages like anger, denial, and bargaining. These stages apply to many of life’s aspects, particularly in terms of debt and finances. Lately, most people find themselves denying debt. The most obv... Read >

Find Yourself a Debt Settlement Agency

The 80s and the 90s saw a period of great consumerism in the US because of the proliferation of credit cards. During these years, buying through credit cards became commonplace, leading to the rise of more cards. Various businesses also prospered in these... Read >

How to Get Your Business Out of Debt

During the early part of the 1990’s, many businesses enjoyed high earnings because people were willing to spend money. Cars, houses, and other valuable properties were easy to sell because customers had stable jobs and could afford to make payments. Many ... Read >

A How-To Guide on Settling Credit Card Debt

Credit cards are probably one of the biggest conveniences that modern banking has brought to people. These cards allowed consumers to make more purchases, without necessarily having more cash. Even today, many consumers use credit cards to buy the product... Read >

What to Do When Negotiating Your Debt Settlement

You may have hired specialists to take care of your debt settlement, or you may be handling the negotiations yourself. Whatever the case is for you, there are some things you must keep in mind before, during, and after the settlement process. Before ... Read >

The Negotiator: How to Manage Your Own Debt Settlement

The biggest risk in hiring a debt settlement firm to negotiate your unsecured debt is the fact that you do not get any assurance that your creditor will settle until you see it on paper. This is true even if you’ve already been paying your debt settlement... Read >

Debt Settlement Solutions: Why You Shouldn’t Negotiate Your Own Settlement

Being deep in debt and on the verge of declaring bankruptcy doesn’t really make you feel like paying someone to do settlement negotiations for you, right? And your experiences with debt may have even given you enough skills to take on another battle: shou... Read >

How Debt Settlement Can Help You

Debt settlement could be the solution that can free millions of Americans from their debts. It is unfortunate, though, that a large portion of the population remains uninformed about debt settlement. There is definitely enough information available online... Read >

What You Need to Know About Debt Settlement Services

Millions of Americans today are in debt. If total credit card debt in the US could be converted into $1 bills, there would be enough $1 bills to wrap around the Earth approximately 2.65 times. This astounding fact can be attributed to a multitude of facto... Read >