Ryan Anderson

Whether you’re a natural introvert, don’t like discussing money problems or feel acute shame about your predicament, you’re not alone. But not being ready to talk doesn’t mean you’re not interested in beginning to take hold of your debt problem. There are small steps you can take on your own to get clarity, lower your […]

Money progress is about more than a number on a bank balance. Some wins won’t change your balance today, but they still move you forward. They lower stress and help you build skills and make better choices. Those wins matter. Let’s name them, track them, and use them to stay motivated. Why These Wins Count […]

If you decided to take the plunge and file for bankruptcy: Good on you! Filing for bankruptcy is one of the biggest financial decisions a person can make.  And while it can help stop the immediate crisis, it doesn’t fix everything. Life after bankruptcy can feel overwhelming, but you can rebuild. No matter if you […]

“Bankruptcy:” The word no one wants to hear in relation to their finances. But here’s the thing: Personal bankruptcy is a good thing, because it gives you a way out when no others are available.  This guide will give you the bankruptcy basics you need to know, help you understand the process and discuss when […]

Few experiences are more annoying — or anxiety-inducing — than debt collector calls. But you don’t have to become accustomed to frequent calls. There’s a legal way to make them stop (and move forward without continued interruption).  You Have a Right to Say No The Fair Debt Collection Practices Act (FDCPA) protects your right to […]

Ever gotten a weird collection call? You’re not alone — and you have a right to protect yourself against suspicious businesses. That’s when you need to lean on the power of a validation letter. It’s a simple, direct way to say: “Show me the details.” Here’s what you need to know about debt validation, what […]

Getting a legal notice about an outstanding debt can be scary, frustrating and confusing. But don’t ignore that letter: Going to court over a bill is more common than you’d think, and there are people out there who can help. This guide will walk you through exactly what to expect, how to respond and what […]

This guide walks you through what to do before, during and after a collector call.

Debt has a tricky way of shadowing you for a long time: On your credit report, in your inbox and, to use the parlance of our times, rent-free in your head. Even after you stop paying, the trauma of debt can impact how you think of money going forward. Still, you can cut credit card […]

Some bills are basically universal: housing costs, car payments, insurance and utilities feel non-negotiable, so most people never think to try and lower them.  But here’s the problem: When your biggest bills never get a second look, they can quietly slow down your financial progress. You might be cutting takeout or canceling subscriptions, but those […]