A woman with a worried expression talks to a debt collector on the phone

What to Do About Debt Collectors and Collection Calls

Owing a debt can feel stressful — especially when debt collectors constantly call, making you dread the very sound of your ringtone. You don’t have to put up with calls at all hours or even take calls at all. There are laws designed to protect you from unfair practices and help you restore your peace. […]

A married couple sit on a couch in a contemporary living room

What Is a Personal Loan Joint Account?

A personal loan is a versatile financial tool. Whether you take one out to consolidate debt, pay for a home renovation, or cover an emergency expense, it can help you meet your goals. If you’re worried you won’t qualify for a personal loan with reasonable rates or don’t think you can pay it back on […]

a man works on debt consolidation with a debt help sign on his desk

Beware of These Debt Consolidation Scams

When you’re struggling to pay off your debts, relief such as debt consolidation can be a great option. A debt consolidation loan allows you to consolidate your existing debt into a single loan. Not only can you reduce the number of monthly payments you’re making, but may also be able to get a lower interest […]

A woman holds a credit card while using her laptop to shop online

Personal Loans vs. Buy Now, Pay Later: What’s the Difference?

Buy now, pay later (BNPL) programs have been around for decades but have recently gained popularity, especially during the pandemic when more consumers turned to online shopping. According to a survey by C+R Research, 51% of consumers say they used buy now, pay later services during the pandemic. With buy now, pay later, you can […]

A woman uses a credit card at a retail store

What’s the Best Way to Manage Debt as Interest Rates Go Up?

The Federal Reserve has begun to raise the nation’s main interest rate, and that means consumers with debt will need to act fast if they want to avoid rising monthly payments. As the federal funds rate rises, interest rates on some types of debt will move higher. That means people who hold these debts likely […]