Nobody wants to go into debt. Before things are getting worse and far out of hand, you should learn about some of these debt handling solutions.
First of all, you should know about basics. Basics are lower insurance deductibles for your homeowners, renters and vehicles policies where appropriate and save money. Dont take chances on bouncing checks; instead get covered with overdraft protection and pay about the same as what it would cost for one bounced check to cover our account for an entire year. Ask your banker about packaged account services. Many offer free savings and checking accounts with free overdraft protection and checks, free online bill paying and more. When you shop, check your receipts, even for groceries. Many times items ring up at incorrect prices. Sometimes store policy allows for no errors, meaning you get the items free if it wrings up wrong. So carry along a handheld calculator or pencil with small notepad to tally up your charges.
In case you have medical debt, the first thing healthcare offices try to do is get you to charge the bills or refinance your home, etc. Stop!!! Before you take such a drastic step, check with legal counsel....
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