What are the Benefits of Debt Settlement for Credit Card Debt?

How to Save Thousands of Dollars with a Debt Settlement: When you find yourself in credit card debt, be sure to do your research on the pros and cons of each option to get out of debt.  For instance, with a debt consolidation, your debt is all rolled into a new loan and usually at …

12 Tips for Improving Your Credit Score in the New Year

It’s a brand new year and it is time for you to take control of your credit score!  If you want to improve your credit score fast in the new year, then there are immediate steps you can take. Read on for simple ways to improve your credit score in the new year. Tips For …

Holiday Money Saving Tips To Avoid Holiday Debt

The holidays are here and that also means your monthly expenses have gone up thanks to buying presents, traveling and entertaining. Don’t worry! You can avoid holiday debt with some holiday money saving tips. In fact, last year’s holiday debt statistics showed American’s debt increased by $986 on average, which took an approximate 5 months …

9 Tips To Avoid Overspending This Black Friday

It’s easy to get REALLY excited about all the deals on Black Friday.  There are amazing deals to be had!  However, oftentimes this is where consumers begin the holiday debt spiral. Below are some ways to save money and tips to avoid overspending this black Friday.    Tips To Avoid Overspending This Black Friday BUDGET …

The Benefits of Careful Credit Card Use

For most Americans, credit cards are a fact of life. While the amount has dropped somewhat since the recession of the late ’00s, credit card debt totals $935.6 billion, with adults between the ages of 18 and 65 carrying an average debt of $4,717. Credit cards have gotten a bad reputation, but that has more …

9 Credit Card Debt Horror Stories With Happy Endings

Credit Card Debt can invoke fear, stress and nightmares. At my San Diego debt relief law firm, we find debt solutions to your debt problems.  Read on to learn about 9 real credit card debt horror stories with happy endings.    Credit Card Debt Horror Stories Our client contacted us in a panic, because he …

5 Things to Never Pay with a Credit Card

As we move closer to a cashless society, there are few remaining businesses that don’t accept credit card payments. These small rectangles of plastic have enabled development of automated services such as DVD kiosks, and in many cities you can even feed parking meters with credit cards instead of quarters. Despite the universal convenience of …

How to Talk to Your College Student about Credit Cards

Is your college student ready for a credit card? The Wild West days of giving credit cards to any college student with a pulse may be over, but that doesn’t mean that students can’t get into big trouble with credit cards.  The good news is that ever since the Credit CARD Act of 2009, responsible …

6 Reasons to Use a Debit Card Instead of a Credit Card

Appearances can be deceiving. Debit cards and credit cards look identical, and even their names differ by only a couple of letters. But when you look past the similarities, you’ll find a number of significant differences in how they function. Debit cards are linked to your bank account, so withdrawals are processed immediately, while credit …

11 Tips To Lower Your Credit Card Debt Over The Summer

Summertime can lead to a slippery slope of credit card spending, leaving many in need of credit card debt help in San Diego. You look at your social media and see your friends taking off on vacations, going to concerts, movies, eating out and the like.  It all looks so fun, and you can do …