Managing Debt
By LaToya Irby, About.com Guide to Credit / Debt Management
Debt management is an important skill for anyone who owes someone else. Understanding your options for managing debt will help you stay in control of your debt rather than letting it control you.
How's Your Debt?
How do you know if you have too much debt? Sometimes there are signs, like difficulty making debt payments. Other times it might not be so obvious. Part of managing your debt is knowing where you stand.
- Good Debt vs. Bad Debt
- Secured vs. Unsecured Debt
- Do You Have Too Much Debt?
- Calculate Your Debt-To-Income Ratio
- 5 Spending Habits That Lead to Debt
- 10 Signs You're Headed For Credit Card Debt
- 3 Reasons to Go Into Debt and 5 Reasons Not To
- 10 Ways to Avoid Credit Card Debt
Get Out of Debt
Debt isn't a black hole. There's a way in and there's a way out. The hard part is finding that way out. Once you've put together a solid plan, getting out of debt isn't as hard as it seems.
- Declare Your Independence From Debt
- Using a Budget as a Debt Management Tool
- Making a Get-Out-of-Debt Plan
- 9 Best Credit Card Payoff Calculators
- 5 Ways to Reduce Your Debt
- 5 Stupid Ways to Pay Off Your Debt
- 66 Ways to Get Money to Pay off Your Debt
- Is Bankruptcy Right For You?
- Paying Taxes on Cancelled Debt
- Two Ways to Pay Back Credit Card Debt
- Student Loan Repayment Options
- Student Loan Forgiveness Programs
Dealing With Debt Collectors
Dealing with debt is painful enough. Having to deal with debt collectors is much worse. Fortunately, there are laws and tactics that can help you keep debt collectors from ruining your life.
- What Are Debt Collections and How Do They Affect You
- Fair Debt Collection Practices Act Overview
- How to Deal With Debt Collectors
- When Can Debt Collectors Call
- Stop Debt Collector Calls
- Make Collectors Prove You Owe
- Tactics For Paying Off Debt Collectors
- The Statute of Limitations on Debt
- 15 Things Collectors Can't Do
- Reporting Debt Collector Violations
- How to Attack Zombie Debt
- Can Debt Collectors Garnish Wages?
- Time-Barred Debts
Debt Management Companies
Where there's a problem, you can count on there being a business to solve that problem. Debt is no different. If you're interested in hiring a company to help you with your debt, make that company will help and not hurt you.
