Blog – Debt Consolidation and Personal Finance Advice

Tim Saighani

How Does a Debt Collection Lawsuit Work?

By

Tim Saighani

on

August 5, 2021

Topics: Debt Collection

If you are facing a debt collection lawsuit, it can be nerve-wracking and stressful. But the court’s involvement does not need to be scary. In fact, sorting out your financial obligation to a creditor in court can sometimes even work in your favor.
Five Ways to Retire Early on a Five-Figure Salary

By

Tim Saighani

on

July 30, 2021

Topics: Personal Finance

The standard age of retirement is sixty-five, but that does not mean you have to wait until then to retire. Many people wait to retire until they are eligible to receive social security income which can then be used to supplement their retirement funds.
Do I Need an Attorney to Handle My Credit Card Lawsuit?

By

Tim Saighani

on

July 23, 2021

Topics: Credit Card

Engaging an attorney in a credit card lawsuit may improve your chances at a settlement agreement that keeps you out of court and without a judgment on your record.
How Personal Loan Deferment Works

By

Tim Saighani

on

July 16, 2021

Topics: Loans

Instead of the penalties, fees, interest charges, and the years it can take for your credit to recover from defaulting on a loan, a deferment provides an opportunity to reallocate the money you would otherwise apply toward your loan to other essential expenses to ensure necessities like food and shelter are not compromised during your hardship.
Can I Settle a Debt After a Lawsuit Has Been Filed?

By

Tim Saighani

on

July 9, 2021

Topics: Debt Settlement

The key to negotiating a settlement for your debt once a lawsuit has been filed is simply to ask. Come to the table knowing how much money you can afford to pay and ask if you can immediately tender payment as a showing of good faith and satisfy the debt without further litigation.
Answers to Your Top Questions About Debt Consolidation

By

Tim Saighani

on

July 2, 2021

Topics: Debt Consolidation

How do you know if debt consolidation is the right option for you? Here are the top debt consolidation Q&As to help you decide.
What is a Debt Validation Letter, and Do I Need One?

By

Tim Saighani

on

June 25, 2021

Topics: Debt Collection

So, how do you know if the bill collector can satisfy the requirements of the FDCPA to collect the debt they are asking you to pay? The key is a debt validation letter.
How to Pay Off Credit Card Debt in 2021

By

Tim Saighani

on

June 17, 2021

Topics: Credit Card

Paying off your credit card debt is a great start to improving your financial health in 2021, but how can you do it? Here are a few payment strategies and tips to help you become debt-free in 2021.
Pensions vs. 401ks

By

Tim Saighani

on

June 11, 2021

Topics: Personal Finance

Employer-sponsored retirement plans are an important benefit that employees should take advantage of to supplement their retirement funds. However, not all retirement accounts are created equal. Maximizing your contribution to an employer-sponsored retirement plan is the best way to ensure you have enough money to carry you through retirement.
How to Change Your Spending Habits

By

Tim Saighani

on

June 4, 2021

Topics: Money Saving

Changing your spending habits is one of the quickest ways to stretch your money. Without bad habits draining your finances, you will save more, spend wisely, and accumulate the cash you need to pursue your financial goals.