James Heinz

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 their income just to...

You’re juggling multiple payments every month, and every new bill tightens the knot in your stomach, wondering if one single loan could finally make life simpler or secretly cost you more down the line. If you’ve been exploring debt consolidation options with Chase, it often comes down to weighing convenience against cost. One payment may simplify things, but it can also stretch your journey and increase the total amount you pay over time. Here’s a reality check worth noting: around 59% of...

Introduction For a long time, medical debt has been a problem for many Americans. It has hurt their finances and credit scores. If you don't pay even small hospital bills, they can stay on your credit report for years. This can make it harder to get a loan, rent an apartment, or even get a job. The Consumer Financial Protection Bureau (CFPB) is now working on new rules to make things fairer. With these changes, medical debt would no longer show up on credit reports at all. The goal is for...