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"Debt Relief in Arizona" written over New York skyscrapers.

New York: Managing Debt in the Empire State

Summary: New York’s consumer protection laws comprehensively protect against abusive debt collection tactics and fraudulent schemes. There are significant disparities

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"Debt Relief in Florida" written over Florida landscape.

Florida: Confronting Debt in The Sunshine State

Summary: Residents face unique pressures due to high medical costs, fixed incomes, natural disasters, and significant student and credit card

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"Debt Relief in Arizona" written over Arizona landscape.

Arizona: Addressing Debt in The Grand Canyon State

Summary: Arizonans grapple with significant debt burdens, including credit card debt averaging $7,080 and student loan debt averaging $35,778 per

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"Debt Relief in California" written over Golden Gate Bridge.

California: Navigating Debt Relief in the Golden State

Summary: Californians face high debts, with average student loan balances at $37,426 and credit card debts at $8,366. The state’s

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"Debt Relief in Texas" written over Texas flag.

Texas: A Guide to Debt Relief in The Lone Star State

Summary: Texas residents have high levels of student loan debt (avg. $33,548) and credit card debt (avg. $7,458). The state’s

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A person cutting up their credit card.

Navigating New Horizons: Can I Still Use My Credit Card After Debt Settlement?

Summary After a debt settlement, the credit cards included in the settlement will typically be closed, preventing further use and

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"Student Loans Secured or Unsecured?" written next to a piggy bank atop textbooks.

Is a Student Loan Secured or Unsecured?

Summary Student loans are typically unsecured debts, meaning they are not backed by collateral but rather by the borrower’s credit

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A person calculating their budget.

What is Zero-Based Budgeting? A Complete Guide to Resetting Your Finances

Summary Zero-based budgeting (zero-based budgeting) allocates every dollar of income to specific expenses, savings, or investments, starting fresh each month

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A crowned piggy bank standing on top of money.

Mastering Money Management

Summary Effective budgeting involves tracking spending, categorizing expenses, and setting financial goals to manage income and expenses wisely. Begin saving

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A "HELP" sign being held up from under a mountain of bills.

What to Do When You Can’t Pay Your Bills

Summary Begin by thoroughly assessing your financial situation, listing all obligations, and noting their due dates and minimum amounts due

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    CreditAssociates® LLC, 5050 Quorum Dr., Suite 700, Dallas, TX 75254 • © 2024 All Rights Reserved. Services not available in all states, including New Jersey.

    Where applicable, CreditAssociates® will refer you to a highly qualified service provider who can provide debt relief services you need.
    CreditAssociates® LLC does not discriminate on any level including on the basis of race, color, religion, sex, marital status, sexual orientation, national origin or ancestry.
    * Clients who are able to remain with the program and resolve all their debt realize approximate savings of 55% before fees, or 30% including our fees, in 24 to 48 months. All claims above are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. All estimates are based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of debt forgiveness. Please consult with a bankruptcy attorney for more information on bankruptcy. Not all creditors will negotiate debt resolution with third parties and some creditors will only negotiate under certain circumstances, such as a charge-off. You may be subject to collection activity or lawsuits by creditors or collectors if you are not making regular monthly payments.