With costs continually rising and borrowers' budgets stretched to their limits, millions of Americans have found themselves carrying debt that's gone unpaid for months or even years on end. But when ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, ...

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We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. These two phases often get lumped together in conversations about debt, ...