Angela Watson, Author at DebtHammer

Massachusetts Debt Relief: The Tools You Need to Escape the Debt Trap

An estimated 7,174,604 people live in Massachusetts, making it the 15th most populous state in the country. The average annual mean wage is $72,940, but many residents face major financial problems. Approximately 9.4% of Massachusetts residents live in poverty (the eighth highest in the country). Along with this, the average debt per capita is a …

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Utah Debt Relief: The Tools You Need to Escape the Debt Trap

Debt Relief

Home to 3,380,800 people, Utah is known for its diverse, beautiful geography, unique culinary scene, Sundance Film Festival and thriving Mormon community. For residents, the average personal income is $53,400, while the average individual consumer debt is $71,900. The overall poverty rate is 8.9% — the second lowest in the country. While Utah is a …

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Four Ways to Prove a Debt Isn’t Yours

Debt Relief

Dealing with a creditor or calls from debt collectors can be stressful. When this happens, you may be tempted to resolve the situation as soon as possible by paying the account. But what if the debt isn’t yours? Don’t simply agree to pay it. Here’s how to prove a debt is not yours — as …

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Is This Email or Phone Call from ACS Debt Collector Legitimate?

Debt Collectors, Scams

ACS Incorporation is a real company, but the email or phone call you’ve received may be part of a scam that could cost you hundreds or thousands of dollars. Scam artists use various underhanded tactics like harassment, threats, and emotional manipulation to get people to part with their money. And, unfortunately, many of them are …

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What is Buy Now Pay Later? Know the Benefits and Dangers

Buy Now Pay Later, Credit

Making a big payment at once isn’t always an option. But thanks to the rise of Buy Now, Pay Later plans, you can order what you want and pay it off over time. Also known as BNPL, these point-of-sale payment options have rocketed into a $100 billion industry, partnering with major retailers and allowing you …

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Buy Now, Pay Later: 10 BNPL Options You Can Trust

Credit

Buy Now Pay Later plans are skyrocketing in popularity. You can divide anything from an Uber trip to a new TV into four interest-free purchases. After explosive growth, you’ve probably seen these payment options at your favorite stores. The first payment serves as a down payment, and you make three more remaining payments, usually over …

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Is the Klover App Legitimate? Here’s What You Need to Know

Reviews

Cash advance apps have gained immense popularity in recent years, which is good news for people who would have otherwise had to rely on short-term options like payday loans. A cash advance app like Klover can be a good, temporary solution for those who need some extra cash before their next paycheck. Disclaimer: DebtHammer may …

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14 Best Cash Advance Apps When You Need Instant Money

Cash Advance Apps

Cash advance apps can offer a way to cover expenses until your next paycheck while avoiding payday loans. They are growing fast — 33% of Americans have used at least one of these apps. Your credit score doesn’t matter, there’s no interest charged and fees are minimal. Some can transfer money immediately. Disclaimer: DebtHammer may …

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Iowa Debt Relief: The Tools You Need to Escape the Debt Trap

Debt Relief

At the last census, the population of Iowa was 3,200,517. On average, Iowa residents earn a personal income of $51,140 and owe $43,120 in consumer debt (excluding mortgages). The state is ranked 20th in terms of overall poverty rate with 11.2% of the population living under the federal poverty guidelines. Whether you live in Iowa …

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Ohio Debt Relief: The Tools You Need to Escape the Debt Trap

Debt Relief

As of July 2022, an estimated 11,756,058 people called Ohio their home. The average Kentucky resident makes $53,170 a year (mean wage) and owes about $41,740 in consumer debt (not including mortgages). Just over 13% of Ohio residents live in poverty — this makes Ohio the 36th highest in terms of its poverty rate. If …

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Angela Watson

Massachusetts Debt Relief: The Tools You Need to Escape the Debt Trap

Utah Debt Relief: The Tools You Need to Escape the Debt Trap

Four Ways to Prove a Debt Isn’t Yours

Is This Email or Phone Call from ACS Debt Collector Legitimate?

What is Buy Now Pay Later? Know the Benefits and Dangers

Buy Now, Pay Later: 10 BNPL Options You Can Trust

Is the Klover App Legitimate? Here’s What You Need to Know

14 Best Cash Advance Apps When You Need Instant Money

Iowa Debt Relief: The Tools You Need to Escape the Debt Trap

Ohio Debt Relief: The Tools You Need to Escape the Debt Trap

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