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Debt Bytes Blog

Double Jeopardy on Your Credit Reports

September 7, 2021 by Michael Bovee 1 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 10 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

Portfolio Recovery Associates LLC and Solving Your Debt

September 30, 2021 by Michael Bovee 2 Comments

Portfolio Recovery Associates LLC is one of the largest debt buyers in the country, and one of few publicly traded in the United States. Like many of the largest debt buyers in the US, PRA buys up unpaid collection accounts, mostly tied to credit cards, from Citibank, Synchrony, Comenity, US Bank, and more. Portfolio Recovery […]

Filed Under: debt collection, debt settlement Tagged With: credit report, debt buyer, debt collection, lawsuit, PRA, settle debt

Settling debt with Radius Global Solutions

September 8, 2021 by Michael Bovee 30 Comments

A site reader recently wrote in to ask about dealing with a large debt collection agency by the name of Radius Global Solutions, who they are, and whether to settle a debt with them. The submitted questions are great, and as is the case with much of the site, I publish the exchange so others […]

Filed Under: debt collection, debt settlement Tagged With: collection agency, Radius Global Solutions

Resolving Debt with Velocity Investment LLC

March 19, 2022 by Michael Bovee 22 Comments

Velocity

If you are hearing from Velocity Investment LLC it is likely because they have purchased an unpaid account from one of your creditors. Like with many debt buyers, Velocity bids on accounts that have gone unpaid more than 4 months in the case of fixed loans, and more than 6 months late in the case […]

Filed Under: debt collection Tagged With: debt buyer, payments, settle debt, Velocity Investment

Credit One Bank Debt Settlement and Payment Plans

September 7, 2021 by Michael Bovee 10 Comments

Credit One settlements.

If you find yourself unable to keep up with bills, and you get to the point where your payments with Credit One Bank are going to be late, it may be time to look into your options. Credit One is closer to the sub prime credit card category. They are a great option for rebuilding […]

Filed Under: credit counseling service, debt settlement

Reduce Credit Card Interest Rates

March 19, 2022 by Michael Bovee Leave a Comment

Readers regularly write to me asking what options they have for lowering credit card interest rates. Many people inquiring about consolidation are making monthly payments on time, but are only barely getting by, and some months end up taking money from one credit card to pay another, and are running out of balance transfer options. […]

Filed Under: debt consolidation

Resolving Debt with Synchrony Bank

September 7, 2021 by Michael Bovee 100 Comments

Resolving debt with Synchrony.

Many branded store, and specialty credit cards, are serviced by Synchrony Bank. If you are wondering whether you card is serviced by Synchrony, I provide a list of known businesses that use them below. As you can see, Synchrony is not just about its flagship relationships like Amazon, and Care Credit. They do a ton […]

Filed Under: credit counseling service, debt settlement

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