These consolidation loan alternatives can help you simplify your payments without adding to your debt.

Understanding debt collection thresholds can help you navigate your options and avoid legal consequences.

Pay-for-delete promises to erase collection debt from your credit report, but the results of this strategy can vary.

Debt settlement requires you to pay a lump sum to creditors for less than you owe and have the remaining balance forgiven. To choose the right debt settlement company, compare the cost, eligibility ...

You may have options if a debt settlement no longer feels right, but the timing, paperwork and payments matter.

SPONSORED CONTENT is content paid for by a partner. The McClatchy Commerce Content team, which is independent from our newsroom, oversees this content. Money Research Collective’s editorial team ...

Settling your debt can help you resolve what you owe — but it's not a pain-free option. You could owe taxes on what you settle. Many, or all, of the products featured on this page are from our ...

It’s sometimes a good idea to pay off a collection account in full. If that’s not possible, you have other options. For example, you could negotiate with debt collectors yourself, or join hands with a ...

In April 2025, Freedom Debt Relief reviewed data from tens of thousands of people actively looking for help with their debt. The numbers might be surprising. About one in four has at least one account ...