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Marrying Into Debt

Wedding vows often involve some version of a promise to support each other “for richer or for poorer.” If you’re newly engaged, you’re probably bubbling over with emotions about intertwining your life with another person’s. But what if your future spouse’s debt adds nervousness to the excitement? I can relate. In my case, I was…

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When borrowers are struggling to resolve outstanding debts, it is often helpful for them to write a hardship letter. This letter serves to more thoroughly explain to the credit cards issuer, bank or lender (hereafter referred to as “creditor”) what is going on with the borrower and propose some way the creditor can help the…

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People who are not married buy homes together all the time. And while this may not be a startling revelation, there are some potential homeownership land mines that you would do well to consider before signing all of that paperwork at the closing table. Unmarried home buyers can be any combination of two or more…

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Last updated: 11/22/2017 One law that changed credit card statements was the Credit CARD (Credit Card Accountability, Responsibility and Disclosure) Act of 2009, which required a clear disclosure on the statement about minimum payments. This mandated disclosure must inform the borrower how long it will take to pay off a credit card balance if s/he…

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Credit.org is approved by the U.S. Department of Housing and Urban Development (HUD) as a comprehensive housing counseling agency. We help home buyers prepare to become better educated and informed homeowners. For most people, understanding the process and requirements of obtaining a mortgage loan as well as which type of lender to use and what…

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Exploring the different types of home mortgage loans available will present you with a wide array of products, terms and options. There are important differences to understand and consider in each of these areas and it can get complex and complicated. It’s a good idea therefore to start with the basics. When looking for a…

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