Lorraine Roberte

When people hear the term “loan charge-off,” many assume the debt is gone. That’s rarely true. A charge-off is an accounting step that lenders take after a debt remains unpaid for a long time. It indicates that the debt is unlikely to be repaid. Seeing a ... See more

When you’re considering a debt relief program, it helps to hear from someone who’s been through it. Dalton’s story is one that many people will recognize. He was carrying about $51,000 in debt. To keep up with bills, he worked three jobs — and even with t... See more

Running a business often means juggling tight cash flow, unpredictable expenses, and decisions that can feel daunting. Using a business card can help a business manage its financials and improve cash flow. 89% of small businesses recently used a credit ca... See more

Income-driven repayment plans are federal student loan plans. They set payments using income and household size. The loan balance does not set the payment. Money stress can make that difference feel real. Lower payments can free up space in a tight budget... See more

Debt consolidation is the number one reason people take out personal loans. Research by LendingTree found that over 35% of personal loan borrowers use the funds specifically for that purpose. The idea, for most people borrowing, is to replace several high... See more