Category Archives: Debt Settlement
Settling Your Afterpay Debt
Many debtors in Georgia have gone into increasing amounts of debt due to “buy now, pay later” (BNPL) options for purchases made available by a wide range of companies. According to a recent article from the American Psychological Association, BNPL platforms “bypass a number of cognitive and physical barriers to impulse buying.” In other… Read More »
Necessities Versus Wants: Does It Matter What Type of Debt I Am Trying to Settle?
Struggling with consumer debt is becoming an increasingly common experience in the Lilburn, Georgia area. With inflation and rising prices for necessities, many Americans are charging purchases they cannot repay or using “buy now, pay later” services that only lead to more debt in the long run. Depending on your circumstances, you may be… Read More »
Can Debt Settlement Relieve Consumer Financial Stress?
Georgia residents and Americans across the country are experiencing higher levels of financial stress, according to a recent report in MarketWatch. Those levels of financial stress are likely to reach “an all-time high” due in large part to debt. The National Foundation for Credit Counseling developed a “Financial Stress Forecast” in 2018. The Forecast… Read More »
Steps for Approaching a Debt Settlement Negotiation
If you are considering debt settlement as a possible option, what should you be considering as you decide whether this is the right decision for you? Further, what steps will you need to take in advance of the debt settlement negotiations? Debt settlement is one form of debt relief in Georgia that can allow… Read More »
Can I Settle Debt Associated with a Bank Levy?
If you owe debt to a creditor and have become delinquent or in default, the creditor may have taken legal action against you in order to recover the money you owe. What that typically means is that the creditor has filed a civil lawsuit against you. In filing a lawsuit, the creditor asks the… Read More »
Will Settling My Debt Prevent Me from Being Approved for a Mortgage?
If you are struggling with unsecured debt — such as credit card debt or personal loan debt — you may be wondering about debt settlement. Debt settlement can be an attractive option for debt relief for debtors who have the ability to make a lump-sum payment to creditors. Further, debt settlement does not impact… Read More »
Can I Settle Debt Associated with a Property Lien?
Learning that a creditor or debt collector is suing you to collect the money you owe is an extremely stressful experience. Nobody wants to have to face a lawsuit from a creditor. Many Georgia residents often have misconceptions about what this type of lawsuit can involve, too, and what the consequences can be. It… Read More »
What Amount of Debt is Too Much to Settle?
Are you struggling to repay your debt and considering debt relief options? Is debt settlement one of the options you are considering? If so, you may be wondering about the amount of debt you owe and whether it is possible to settle it. More specifically, you might want to know if there is a… Read More »
What is the Difference Between Delinquency and Default with Debt?
With wages remaining stagnant and inflation resulting in an increase in costs, it is becoming more difficult for consumers in Georgia to pay their debts. Is more of your income going toward necessities, such as bills or groceries or childcare? Across the state and country, inflation is leading more Americans to take on debt… Read More »
Do I Have to Pay Credit Card Debt from Interest If I Settle My Debt?
The average credit card interest rate in the United States today is extremely high. According to LendingTree, the average APR for all credit cards is 23.79 percent, which represents an increase even from a few months prior. The maximum APR on all new credit card offers is at 27.41 percent as of May 2026,… Read More »