When Available Credit Starts Replacing Income: Warning Signs And Next Steps
July 29, 2026
By Joshua Katz, CPA Founder, Universal Tax Professionals Updated July 30, 2026 When Available Credit Starts Replacing Income: Warning Signs And Next Steps When credit cards start covering groceries, utilities, gas, or other recurring essentials, the issue is often larger than a single high balance. It can mean that monthly income is no longer covering…
Living Off Credit Cards: Tips To Break The Cycle
October 6, 2024
By Eric Pemper, Founder of CuraDebtHelping people resolve unsecured, tax, and business debt since 2001 · BBB A+ accredited Last updated: July 3, 2026 The short answerIf you're charging essentials, making only minimum payments, or opening new cards to pay old ones, you may be living off credit cards, and at today's roughly 21% to…
Credit Card Debt Forgiveness For Disabled: Do You Qualify?
June 24, 2024
Eric PemperFounder, CuraDebt · Est. 2001 BBB A+ Rated · BBB Accredited · ACDR Member · 1,600+ Five-Star Client Reviews Last updated: June 25, 2026 Credit Card Debt Forgiveness For Disabled: What Actually Works There is no special government program that forgives credit card debt just because you are disabled, but that is not the…
Personal Loan vs. Personal Line of Credit: Know The Difference
March 9, 2023
When life throws unexpected expenses at us, such as a home renovation, a wedding, or even a funeral, many people opt to use credit over cash. Credit is especially useful when an expense sneaks up on us and we don’t have enough in our emergency funding to cover the cost of the expense. A personal…
Credit Card Debt Relief – How Does It Work?
February 4, 2023
What’s Debt Settlement and How Does it Work? Debt settlement is an option for borrowers who are in debt due to medical bills, personal loans, credit card bills, etc. Debt settlement is also referred to as debt relief and debt adjustment. When you go through the process of debt settlement, you make monthly payments into…
