The beginning of the year is possibly the time when many consumers try to get rid of or lower their debt. Debt consolidation and debt management are ways that California consumers can pay off credit card debt. Which option is more beneficial and what effect does it...

In some situations, it can be generally easy to get caught up with low introductory rates on credit cards. However, after the introductory period is over, many California consumers are stuck with high interest rates that lead to credit card debt. Consumers who have a...

It's reasonable that consumers carry credit cards in case of an emergency. However, those cards can come with a hefty price tag that may become hard to pay off. There are ways that California consumers can use their existing income to pay off their credit card debt....

The holidays are right around the corner, and that means consumers are likely to increase their spending habits. Many California consumers are usually on the hunt for the perfect gift for their family members and close friends. It's important to exercise smart...

Several banks have been selling loans to debt buyers. The debt buyers are people who purchase delinquent credit card debt from the bank. Some of the information received by the buyers may be outdated or inaccurate causing many customers to get sued for debt they do...

For many California consumers, high levels of credit card debt have led to a debilitating financial scenario. Once the balances have grown to a certain level, it becomes incredibly difficult to find a way to pay them down to more manageable levels. Factor in rising...

Debt collectors will do just about anything in order to collect the debts which they believe are owed to them. Many times this even includes fraudulent and deceptive practices, many of which are against the law. This has led many state regulators to ramp up their...

Many people feel guilty and depressed as a result of carrying debt on their credit cards. Studies have shown that people feel significantly more depressed when their credit card debt increases by ten percent or more. However, most people in California and other states...

Virtually everyone has had a high credit card balance at one point in their lives. Many California residents know the sickening feeling of carrying high levels of debt from month to month, and the stress and worry that comes along with a worsening debt problem. One...