Get Out of Debt

If you have debt, we can help you conquer it. We’re on a mission to help Americans pay off debt and build wealth. We know that it’s not easy to figure out what to do and that’s why we started this blog. The information below will help you overcome the most common financial and psychological hurdles so you can tackle your debt.

What Is Debt Settlement and How Does It Work?

When I had credit card debt, there was nothing I wanted more than to have it gone. Nothing. The thought of it lurked in the back of my mind all day, every day. As cliche as it may sound, I felt like there was a cloud hanging over my head. No idea could pop up without that cloud drenching it….

How to Get a Personal Loan with Good Credit

There are times when you might want a chunk of cash, but you don’t want to pay the fees that come with a cash advance — and you certainly don’t want the high interest rate. In these cases, a personal loan can help. If you have good credit, it’s possible to get a personal loan at a reasonable rate, no…

How to Choose a Legitimate Credit Counselor

Do you feel overwhelmed by your debt situation? Plenty of organizations exist to help those who don’t know how to handle their credit, feel confused about where to start repaying their debt, or don’t understand what steps they need to take to become financially secure. Unfortunately, not all credit counselors act in your best interest. It can be difficult to…

What Is Wage Garnishment? (How to Deal When Debt Leads to Lost Pay)

When I was a little kid, I used to listen to adults using financial terms and totally panic. “How could I ever understand what these things mean??” I would think. I vividly recall reading the biography of U.S. gymnast Dominique Moceanu and how her family put a second mortgage on their home to pay for her athletic training. At the…

ReadyForZero Launches Its First Ever Android App!

After months of hard work prompted by many requests from people like you, we’re happy to announce the release of our very first Android app! And we’ve already heard some great feedback from users! “I really like this!!!! So easy to use.” “Very crisp and responsive UI and very pretty. So far, I’m impressed.” Enjoying seeing my goals to be…

Generation Mortgage: Why Gen X Is In More Debt

One thing I notice when reading the news is that people love comparisons – especially when it comes to debt. We compare “good debt” to “bad debt”, we compare levels of debt from year to year, and we compare generation to generation to see who really has it the worst. While comparisons are important for understanding the problems that need…

What Happens If Your Home Is Foreclosed On?

In the last few years, many homeowners have seen their homes foreclosed on. When we hear about foreclosures, we often hear about evictions as the bank repossesses the home. However, the entire foreclosure process is a little more complicated than that. For those who have the means, it’s actually possible to halt the process at various points. A foreclosure isn’t…

Are You One Of 800,000 Americans Who Could Benefit From HARP?

With the prevalence of phone and internet scams these days, it’s no wonder that most consumers have a total lack of trust for any financial product or incentive that comes their way. Unfortunately, that means consumers can also miss out on financial incentives that could actually benefit them. Case in point: The Home Affordable Refinance Program (HARP) According to an…