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You are here: Home / Archives for Michael Bovee

All kinds of debt and credit help and info from Michael Bovee

About Michael Bovee

Michael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.

Debt Settlement Success Often Depends On This One Priority

September 28, 2022 by Michael Bovee Leave a Comment

How to prioritize debts.

I often say that there are only 2 main ingredients to debt settlement success. Those are resources and timing. Resources means money you have to pay a settlement. Timing means your account is past due enough to get a good deal. But it is how these two ingredients combine that allows you to prioritize each […]

Filed Under: debt collection, debt settlement, Uncategorized

Struggling To Repay Your OnDeck Capital Business Loan?

March 21, 2022 by Michael Bovee Leave a Comment

OnDeck Capital has traditionally provided small business loans to companies that major banks would not lend to. The loans through OnDeck range in size, but can reach up to $250,000. If you are having a tough time with your business and have reached the point where you must think through which bills and vendors are […]

Filed Under: business debt, debt settlement

Comenity Credit Cards Can Be Settled For Less

March 3, 2022 by Michael Bovee 2 Comments

Comenity Bank is mostly known for servicing credit cards for stores and other outlets, not for their own branded cards, or retail bank locations. As you will see from the list below, they are the bank behind more than 100 other companies. Your options for dealing with credit cards serviced by Comenity will often mirror […]

Filed Under: bankruptcy, credit counseling service, debt collection, debt settlement

Funding Circle Small Business Loan Problems and Solutions

March 19, 2022 by Michael Bovee Leave a Comment

Funding Circle is an online loan platform marketing and servicing loans to small businesses. They provide a more unique loan experience to help you with your financing needs than a regular brick and mortar bank. You may have taken out a business line of credit through Funding Circle, or a term loan. You can also […]

Filed Under: business debt, debt settlement

How To Deal With Resurgent Capital and LVNV Funding

September 7, 2021 by Michael Bovee 4 Comments

Both Resurgent Capital Services and LVNV Funding are part of the Sherman Financial Group based in South Carolina. I have been helping people resolve debt with this debt buyer and collection agency for many years. If you are dealing with this company, as far as debt buyers go, it could be worse! LVNV Funding and […]

Filed Under: credit reports, debt collection, debt settlement

What to Know About CKS Financial Before Dealing with Them

March 19, 2022 by Michael Bovee Leave a Comment

CKS Financial is both a debt collection agency, and a debt buyer. They will purchase debts and try to collect on them like other debt buyers do. They also act as a contingency collection agency for lenders and other debt buyers. What you decide to do, and when, if you are dealing with them, can […]

Filed Under: debt collection

Double Jeopardy on Your Credit Reports

September 7, 2021 by Michael Bovee Leave a Comment

If you are looking at your credit reports, and seeing a duplicate account appear on the same report, you could be a victim of what I refer to as double jeopardy. This can skew your debt to income ratio, and cause other domino affects. It can also make it look like you have more unpaid […]

Filed Under: credit reports, debt consolidation

What to do if Your GreenSky Loan Becomes a Problem

March 19, 2022 by Michael Bovee 6 Comments

GreensSky loans are primarily unsecured, and made for home improvements. The loan amounts can reach above fifty thousand dollars. How much your monthly payment is will depend on the amount of your loan, and the interest rate applied. The larger the loan, the harder it can be to keep current with the payments. When financial […]

Filed Under: credit reports, debt collection, debt settlement

Coping with Freedom Plus Loans When You Cannot Keep Up Payments

September 7, 2021 by Michael Bovee 17 Comments

Freedom Plus loans can range from about ten to forty thousand dollars. The interest rates can vary depending on your qualifications when you get approved for the loan. This can make for hefty monthly payments, and can also mean some of us are one unexpected expense away from not being able to make our Freedom […]

Filed Under: bankruptcy, credit reports, debt collection, debt settlement Tagged With: Consolidation loan, Freedom Plus

Solve Loan Builder and Swift Financial Payments Affordably

September 7, 2021 by Michael Bovee Leave a Comment

Loan Builder is a business lender offering loans through PayPal that are serviced by Swift Financial. They offer competitive loans and rates like brick-and-mortar banks do. They are a good option to consider while you are implementing your business plan. I regularly see Loan Builder offers and would put them in the mix of lenders […]

Filed Under: debt settlement, money management Tagged With: business debt, line of credit

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