Debthelp, Inc.

10/06/2026

The Fed just raised rates for the first time since 2023.

Fox Business reported on September 16 that the September FOMC meeting produced the Federal Reserve's first interest-rate hike since 2023. If you carry a credit card balance, that's not abstract news — card APRs move with the prime rate, so the cost of carrying that balance tends to drift up instead of down.

One thing you can do today: list your cards by interest rate instead of by balance. Put every extra dollar toward the highest-rate card and pay minimums on the rest. Same money, less interest.

If the minimums alone are already stretching the month, a DebtHelp debt specialist can talk through whether resolving unsecured debt for less than the full balance fits your situation. Debt settlement can negatively affect your credit. Results vary; not all debts are eligible.

Which card has your highest APR right now? Most people have never looked. 👀

https://ccdebthelp.com

09/30/2026

Twelve votes for. Zero against.

According to the Federal Reserve's own statement from September 16, 2026, the Federal Open Market Committee approved the release by a 12–0 vote and decided to raise the target range for the federal funds rate. News listings published alongside the decision put the new range at 3.75%–4% and call it the first hike since 2023.

Here's why that lands on your kitchen table: most credit cards carry variable APRs tied to the prime rate, so a balance you're carrying tends to get more expensive, not less.

One thing you can do today: write each card's APR next to its balance on one sheet of paper. You can't plan around a number you've never looked at.

If those balances have outgrown what your budget can cover, a DebtHelp debt specialist can walk you through options, including settlement. Results vary; not all debts are eligible. Settlement can negatively affect your credit.

https://ccdebthelp.com

09/30/2026

Thousands of student loan borrowers were racing a deadline last week — and many didn't know it existed.

Forbes reported on September 22, 2026 that thousands of borrowers were barreling toward a major deadline the following week to switch repayment plans, and that if they didn't act, the repercussions could be severe. The reporting centers on SAVE, income-driven repayment, forbearance and PSLF.

The lesson isn't only about student loans. It's that the most expensive money mistakes are usually the quiet ones — a default setting nobody told you about.

So do a 10-minute audit this week: log in to your loan servicer, confirm which plan you're actually on, and check your next due date and payment amount.

What's one bill or account you haven't logged into in over a year? 👀

09/29/2026

Four in 10 young people don't see "buy now, pay later" as debt. 😬

That finding comes from academic research reported by Phys.org this September. And it matters, because a BNPL installment is a real obligation — it just doesn't arrive as a statement in the mail.

Here's the fix that takes five minutes: open your bank app, scroll the last 60 days, and write every recurring installment payment into your budget as a fixed monthly bill. Most people are surprised by the total. You can't plan around money you're not counting.

If those installments are landing on top of credit card balances you're already struggling with, a DebtHelp debt specialist can review your unsecured debt and explain how settlement works, including that it can negatively affect your credit. Results vary; not all debts are eligible.

https://ccdebthelp.com

09/29/2026

If you were waiting for rates to drop before tackling your credit cards, that plan just got harder.

CNBC reports that on September 16 the Federal Reserve moved its target range to 3.75%–4%. Credit card APRs are tied to the prime rate, which moves with the Fed's target range — so a variable-rate balance you carry month to month tends to get more expensive, not cheaper.

One thing you can do today: pull up each card and write down its APR, not just the balance. Then aim every extra dollar at the highest-rate card while paying minimums on the rest. Seeing the actual rates is usually what makes the decision obvious.

If the minimum payment is already all you can manage, a DebtHelp debt specialist can talk with you about whether resolving unsecured debt for less than the full balance is an option for your situation. Debt settlement can negatively affect your credit. Results vary; not all debts are eligible.

https://ccdebthelp.com

09/02/2026

Scam artists keep getting sneakier. One 2026 tactic: some companies partner with an attorney to argue they're exempt from the rule that protects you — then charge big upfront fees before settling a single debt. Here's what actually matters: under the FTC's Telemarketing Sales Rule, a debt-relief company cannot legally charge you a fee until it has settled at least one of your debts and you've made a payment on that settlement. Attorney involved or not — if a company wants money before that, that's your red flag.

Our free class "Debt Relief Scam 2026" breaks down this loophole, AI voice-clone verification calls, and every other tactic to watch for — no sign-up required.

2026 debt-relief scams have evolved: attorney-model loophole, AI voice cloning, fake government mailers. Learn the updated red flags. FTC/CFPB sourced.

09/02/2026

Debt settlement isn't a secret or a trick — it's a structured negotiation process. You make one monthly deposit into a dedicated account instead of juggling multiple creditors. A negotiation team works each account individually, and here's the part people don't expect: you review and approve every single settlement before any money leaves your account. Nothing happens without your say-so.

And by federal law, no legitimate debt-settlement company can charge you a fee before an account is actually settled — no upfront fees, period.

Our free class "Debt Settlement 101" walks through the entire process start to finish, no sign-up required. Results vary; not all debts are eligible.

When creditors settle, how negotiations really work behind the scenes, and how historical data drives better outcomes.

08/25/2026

Got a call from a debt collector and something feels off? You have a federal right to make them prove it. Under the Fair Debt Collection Practices Act, you have 30 days from first contact to send a written validation request. Once you do, the collector must stop all collection activity until they prove the debt is real, that it's yours, and that they have the legal right to collect it.

Our free class "Validation, Verification & Disputing Debts" shows you exactly what to demand and how to send it, no sign-up required.

The FDCPA section 809 validation process, FCRA dispute mechanics, and the patterns of major debt buyers (Midland, Portfolio Recovery, Encore) that determine whether your validation challenge succeeds.

08/21/2026

Not sure whether a debt management plan or debt settlement fits your situation? They work completely differently. A DMP, run through a nonprofit credit counselor, has you repay everything you owe at a lower interest rate over several years while keeping accounts current. Debt settlement negotiates to pay less than the full balance, but only after accounts become delinquent — which affects your credit more in the short term.

Neither is right for everyone. Our free class "DMP vs Debt Settlement" compares cost, credit impact, and eligibility side-by-side so you can choose with your eyes open, no sign-up required.

An honest side-by-side of DMPs and debt settlement: cost, credit impact, timeline, eligibility, and which fits your situation.

08/20/2026

Medical debt feels different — you didn't choose to get sick or hurt, and now there's a bill you never agreed to. Here's something most people never learn: federal law requires every nonprofit hospital to maintain a Financial Assistance Policy (charity care). Many offer free care for lower incomes and sliding-scale discounts well above that — and you can often apply even after the bill has already gone to collections.

Our free class "The Medical Debt Crisis" walks through exactly how to find your hospital's policy and apply, no sign-up required.

How medical debt works differently, hospital financial assistance programs, new credit reporting rules, and your options for relief.