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Debt Bytes Blog

Debt Collectors Calling? Don’t Make This Mistake

February 6, 2023 by Erin Moore Leave a Comment

One morning I switched my phone into Do Not Disturb mode, and kept it that way for two years.  At that point I had many unheard voicemails. I’d stopped listening to them because they all said the same thing: I owed money.  Six months earlier, I lost my job and emptied my savings to make […]

Filed Under: debt collection, debt settlement

Is Anxious Attachment Hurting Your Relationship with Money?  

January 11, 2023 by Erin Moore Leave a Comment

I was $33,000 in debt by the time I turned 22.  This wasn’t the sympathetic, socially-justifiable student loan kind of debt.  This was $33,000 of credit card debt, accrued over a 9-month, blackout-style spending spree on clothing, farm-to-table dinners, bougie gym memberships, and Instagrammable getaways. The momentary thrill I enjoyed from all these purchases would […]

Filed Under: debt management

Role Reversal: Ways to Care for Financially Unstable Parents (part 2)

October 20, 2022 by Erin Moore Leave a Comment

Authorized User Benefits

In the previous article in this series, I talk about some preliminary questions to ask yourself before you decide to help your parents financially.  Stepping into a caretaking role for your once-caretakers can be daunting, demoralizing, and trigger a lot of resentment. I know because I’ve been there, and I’d encourage anyone in the same […]

Filed Under: family finance, Uncategorized

Role Reversal: How to Cope with Financially Unstable Parents (part 1)

October 20, 2022 by Erin Moore Leave a Comment

Family Financial Values

How old were you when you realized your parents struggled with money?  I was five: crouched on the top stair, listening once again to my parents fighting downstairs. My mom wanted to know where all my dad’s money went each month. The math just wasn’t adding up. My dad, knowing his daughter was an eavesdropper, […]

Filed Under: family finance, money management

Debt Settlement Success Often Depends On This One Priority

September 28, 2022 by Michael Bovee 2 Comments

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 2 Comments

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

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