Author: National Debt Relief
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Home Equity Loan Rates: What They Are, How They Work and How to Compare
Owning a home has a lot of benefits, and one of them is the chance to access extra cash for big projects and emergencies. Yes, you may be able to borrow money to cover large expenses using your home’s value. But before you do, experts generally r…
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When Do Credit Cards Start Charging Interest?
Most people who search this question have one of two things on their mind. Either they just got hit with an interest charge they didn’t expect, or they’re trying to make sure that doesn’t happen. So when does a credit card charge interest, exactl…
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Can You Deduct Home Equity Loan Interest? The Rules That Actually Apply in 2026
If you took out a home equity loan and you’re wondering whether you can deduct the interest, the short answer is sometimes. The longer answer comes down to three things: The rules have changed a few times over the years, so before you assum…
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Bankruptcy vs. Credit Counseling: Key Differences Explained
Debt can reach a point where regular payments no longer feel realistic. When that happens, credit counseling and bankruptcy are two options to compare. They both deal with debt, but they work in very different ways. Credit counseling usually focu…
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Can You Make Car Loan Payments With a Credit Card?
Many people rely on credit cards for everyday expenses, from groceries to gas to utility bills. But can you pay a car loan with a credit card, too? In some cases, yes, but many lenders don’t accept credit cards directly, and the extra fees involved can…
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When Collection Agencies Can Charge Interest On Your Debt & When They Can’t
After several missed payments on a credit card or medical bill, your creditor might hand your account to a collection agency. And that then paves the way for a company that you’ve probably never heard of, calling and quoting a balance higher than you r…
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How to Use a Credit Card Responsibly
A credit card is a tool. In the right hands, it can make life easier and even pay you back a little. Used without a plan, though, it can turn into expensive debt. The difference often comes down to habits. The habits that matter most are simple: pay on…
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Can the IRS Take Money From Your Bank Account? What You Need to Know
Many people start out with good intentions when it comes to taxes, but things don’t always go as planned. So can the IRS take money from your bank account when you’re unable to pay right away? Yes, they’re allowed to do so by law, but it usually doesn’…
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How Much Does a Credit Card Cost? A Breakdown of Every Fee You Might Pay
Getting a credit card usually doesn’t cost anything upfront. In fact, most credit cards don’t charge an application or account-opening fee. The real costs come from how you use the card. If you pay your statement balance in full each month,…
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Can You Use a 401(k) as Collateral for a Loan? What to Know Before You Try
Whether you need a financial cushion after a job loss or are planning a home renovation, you might be eyeing your retirement account. It’s natural to wonder if you can use a 401(k) as collateral for a loan. The short answer is usually no, at leas…