Financial Growth & Habits

Are you receiving calls from a collection agency or confusing notices about a debt you don’t recognize? Under federal law, you have the right to demand proof before making any payments. This guide empowers you to use a debt validation letter—a powerful legal tool—to protect your rights, challenge inaccuracies, and stop collection efforts until you […]

You check your credit report, and there it is—that charge-off the collector threatened. Your first instinct? Pay it off as soon as possible to make it disappear. But hold on. Pump the brakes. The truth is, there are several reasons why you should never pay a charge off hastily. While paying a charge-off might seem […]

“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.” Matthew 6:24 When left unchecked, credit card spending can quickly get out of hand. The burden of debt is a […]

For God is not a God of disorder but of peace—as in all the congregations of the Lord’s people.” I Corinthians 14:33 Taking an orderly and systematic approach to debt reduction is reminiscent of this passage. This simple, orderly approach is why we are a fan of the debt snowball method. The debt snowball approach […]