Millions of Americans struggle each year to fulfill their tax obligations, and the numbers reveal the widespread nature of the problem. According to the IRS Data Book  released in May 2025, the agency accepted 7,199 Offers in Compromise in FY 2024. The IRS settled $163.40 million in tax liabilities for less than the full amount owed. Many taxpayers reach a point where they simply cannot resolve their full balance on their own. The IRS Fresh Start programs were created to addr

Every day, more Americans find themselves grappling with pressing financial obligations and wondering where to turn for real help. In fact, as of the third quarter of 2025, U.S. household debt had reached a record $18.59 trillion , an increase of $197 billion in just one quarter. When the numbers are this large, it is no surprise that many individuals search for a “debt counselor near me” or explore online debt-relief options. The big question then becomes: which route actual

When financial hardship strikes, many borrowers seek breathing room, but not every relief option works the same way. Both forbearance and deferment allow you to pause or reduce payments temporarily, but they differ in the duration of the relief and what happens once payments resume.  Since March 2020, mortgage servicers have provided forbearance to approximately 8.3 million   U.S. borrowers, illustrating the widespread adoption of these programs during economic disruptions. F

Forbearance offers temporary relief by pausing or reducing debt payments when finances get tight. But does this short-term help come with long-term credit risks? Does forbearance hurt your credit like missed payments, and how long does the impact last? The answer depends on how your lender reports your account to credit bureaus. If it’s marked as current, your score may stay steady. If it’s reported as missed, you could see a drop. According to the Mortgage Bankers Associatio

Feeling like your debt is quietly taking over? What if managing it didn’t have to feel like a battle every month? Across the country, debt keeps tightening its grip. The Federal Reserve’s 2024 report shows that U.S. household debt reached $18.04 trillion  by December 2024. Mortgages, auto loans, and student loans continue to climb. At the same time, the Bank of America Institute found that about one in four U.S. households  lives paycheck to paycheck, spending nearly all thei

Commercial debt recovery is a critical process for businesses looking to maintain healthy cash flow and minimize financial risks. Both...

When searching for credible debt relief, it’s crucial to understand the full scope of available options. As of 2024, U.S. households owe...

As of early 2025, U.S. credit card debt has reached a record $1.21 trillion , with the average American household carrying approximately...

The decision between bankruptcy vs bankruptcy relief is a crucial one for those facing significant debt. As of the fourth quarter of...

Struggling with multiple debts can be overwhelming—especially when it feels like you're juggling due dates, interest rates, and endless...

If you're struggling with debt, a debt solutions network can provide the support you need to regain control of your finances. A recent...

When it comes to American debt relief, millions of Americans turn to debt consolidation, settlement, or management programs as a way to...

Cancel national debt relief. Compare options and understand risks. Navigate your way effectively with proven strategies. Act now and regain

Ever feel like your debt has its own gravitational pull, dragging you into a financial black hole? Fear not, there's light at the end of...

According to the report, in early 2024, nearly 28% of Americans carried some form of debt.

Managing debt can feel overwhelming, especially when it seems like you're just treading water with no end in sight.

Did you know that over 60% of Americans live paycheck to paycheck, making debt repayment a critical challenge

When dealing with debt relief options, it's important to be cautious of potential scams or misleading offers.

In 2024, consumers reported losing over $10 billion to various frauds, with a notable portion attributed to debt relief scams. 

Tackling debt with a clear, structured approach from the Ramsey debt solutions helps build discipline and progress.