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Tag Archives: high interest rate

What You Need to Know Before You Refinance Your Home to Pay Off Debts

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Consolidating your debt with the equity in your home can be a terrific money-saving strategy. The interest rate may be much lower than you’re paying on your other bills and, if you itemize on your tax return, you can usually deduct the interest you pay – making the effective rate of the loan even more attractive. But what seems like ... Read More »

    Plastic Power: Smart Strategies for Making the Most of Your Credit Cards

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    At, we help thousands of people with too much debt. So you probably figure we’d think credit cards are terrible, right? Wrong! Credit cards can be a great tool and can even save you money if you’re smart about how you use them. That doesn’t mean charging up a storm on things you can’t afford, or even using your ... Read More »

      What Can I Do to Lower My Interest Rate With Citibank? – Joe

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      “Dear Steve, Well I have a fair amount of credit debt about 50 grand, half of that with citibank, I have always paid my bills but now Citibank has raised my interest to 24.99. the payments are now truly more than I can pay. I own a home (which i make payments on and is not in any danger). I ... Read More »

        What Do you Think of Companies Like Debt Freedom Relief? – Casey

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        Casey “Dear Steve, I have $42,000 in unsecured credit card debt. Initially taken as low-interest ‘balance transfers’, interest has escalated to ~25% and minimum payments have become unmanageable. What is my best course of action? Debt settlement? What do you think of companies like Debt Freedom Relief? Casey”   Dear Casey, I took a quick look online and could not ... Read More »

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