Randy Black

You are up to your neck in credit card debt and the water is still rising. You’re barely treading water with the monthly minimums on your credit cards that are already maxed out. Your sleep is restless; you wake in the middle of the night fretting about your financial options and have trouble getting back to sleep. You see a multitude of television commercials for debt consolidation loans. Read More

The debt settlement industry has been misunderstood for far too long,” according to Jenna Keehnen, executive director of the United States Organizations for Bankruptcy Alternatives (USOBA). Read More

To go bankrupt or not to go bankrupt, that is the question. If “not” is your gut response, then debt settlement may be a good alternative. Let’s look at both sides of this very important topic. You’re up to your neck in credit card debt, otherwise you probably would not be reading this article. Read More