Author: National Debt Relief
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How to Negotiate With Debt Collectors and Settle for Less
Debt collector calls can make a past-due account feel urgent. A calm plan helps you slow things down. You can confirm what you owe, then decide what you can afford before you agree to anything. Learning how to negotiate with debt collectors starts with…
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What’s the Difference Between Simple and Compound Interest?
When you borrow money, interest increases the amount you repay over time. When you save or invest, interest helps your balance grow instead. In both scenarios, how that interest is calculated depends largely on whether it’s simple or compound. In this …
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What an Automatic Stay Means in Bankruptcy
An automatic stay is a legal order that can temporarily stop the insanity of collections. Learn what an automatic stay in bankruptcy is, how long it lasts, when it can be lifted, and what happens after it expires. What Is an Automatic Stay in Ban…
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Best Free Personal Finance Software to Manage Your Money in 2026
Money is easier to manage when you can see the full picture. The best free personal finance software can help you build a money management plan before you pay for a tool. What Free Personal Finance Software Can Help You Do Free personal finance managem…
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Saving on Homeowners Insurance and Lower Premiums Without Losing Coverage
Home insurance is essential for protecting one of your biggest investments. But as premiums increase, many Americans are now searching for how to save on homeowners’ insurance and reduce their monthly bills while enjoying full protection. A 2025 …
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What Tax Bracket Do You Fall In? How to Find Your Rate
If you have ever wondered what tax bracket you fall in, the answer is probably simpler than you expect, and very likely lower than you fear. Most people estimate their bracket based on their salary, which turns out to be the single most common mistake,…
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Borrowing From an IRA for Home Purchases
Straight off the bat, you can not borrow from your IRA to buy a house. IRAs don’t allow loans. You can’t borrow against your balance, and you can’t use an IRA as collateral without triggering serious tax consequences. What the IRS does allow is a…
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Spending Less Than You Earn: The Simple Rule That Builds Lasting Wealth
There’s one simple money habit that will do a lot of heavy lifting for you: spending less than you earn. It’s a simple idea, but it’s tough to pull off, especially when the demands of the real world are constantly draining your bank account. Cost…
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How Collection Agencies Make Money and What They Pay for Debt
Getting calls or letters from a collection agency can raise a lot of questions. One of the most common is how do debt collection agencies make money when they weren’t the ones who issued the loan. In many cases, lenders hire collectors and pay them a p…
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Back Taxes and Chapter 7 or 13 Bankruptcy: How Refunds and Tax Filings Work
Does bankruptcy cover back taxes? The answer is sometimes yes, but only if specific timing rules are met. Whether Chapter 7 or Chapter 13 covers back taxes depends on how old those taxes are and whether you actually filed returns. Here’s how both…