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Carl Andrews

Financial Advisor

Carl has years of experience helping people tackle debt. As a Senior Financial Advisor, he knows the ins and outs of debt consolidation and debt management. Carl decided to work in the financial and debt management industries after his childhood best friend had to move away because their parents lost their house.

Since then, he’s worked his hardest to ensure that people don’t need to go through the stress, anxiety, and strife he witnessed in that situation. According to Carl, not all debt problems are the same and that’s why it’s important to take a look at the different options available for your situation. He also thinks it’s important to understand what caused you to go into debt in the first place so you can avoid facing the problem again in the future.

When Carl isn’t helping people tackle their debt issues or understand how different financial products work, he spends his time fishing and camping with his wife and three children.

Read his articles below and find out how to consolidate your debt.

Married with Debt

Married with Debt

Financial AdvisorOne of the biggest stressors of any marriage is finances. Happy couples are likely to have put the effort and time into discussing finances at length before tying the knot. Before you think of making those vows, it is critical that you have these...

How to Discharge Your Debt

How to Discharge Your Debt

Financial Advisor Debt Discharge Pros and Cons Pros No longer liable for your outstanding debts Stop collections calls and letters Get a fresh start to begin rebuilding your finances Falls off of credit report in 7-10 years Cons Time spent in court and negotiations...

Debt Collection Laws For Each State

Debt Collection Laws For Each State

Financial Advisor Learn More About the Debt Collection Laws in Your State   Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan...

Negotiating with and Paying Off Debt Collectors

Negotiating with and Paying Off Debt Collectors

Financial AdvisorIf you find yourself in a situation where debt collectors are hassling you for money, it's essential that you understand how to approach the process. Debt collectors will do anything to get you to pay your debts – they'll often make threats or...

Best Ways to Pay Off Debt Fast: Get Credit Cards & Loans Paid Down

Best Ways to Pay Off Debt Fast: Get Credit Cards & Loans Paid Down

We can help you consolidate your debt. Financial AdvisorIf you're having problems paying your current debts, you're not alone. America has a very large debt problem – many consumers in the country struggle to pay back their large credit card balances and loans. Much...

How Does Debt Consolidation Affect Your Credit Score?

How Does Debt Consolidation Affect Your Credit Score?

Financial AdvisorIntroduction Nobody likes to be in debt. Thankfully, there are plenty of solutions to debt in the modern age of financial products. One of the most popular options is debt consolidation. However, the world of finance is complicated. Many people...

Best Way to Get Out of Credit Card Debt (2020 Tips)

Best Way to Get Out of Credit Card Debt (2020 Tips)

We can help you consolidate your debt. Financial Advisor What are Ways to Get Out of Debt? Snowballing Payments Consolidation Loan Balance Transfer Debt Forgiveness Receivables Financing (for Businesses) Debt can happen to anyone. It can happen anytime, for any...

Best Credit Card Consolidation Companies (Bad Credit Ok)

Best Credit Card Consolidation Companies (Bad Credit Ok)

We can help you consolidate your debt. Financial Advisor Credit card debt is one of the most common forms of debt in the United States. Using credit cards is one of the nation’s primary spending mechanisms – consumers enjoy how easy it is to obtain and use credit...

Trading in a Car with Loan Debt

Trading in a Car with Loan Debt

Financial Advisor Owning a car is almost a necessity in the modern world. We use our cars for everything, from visiting friends and picking up groceries to going to work or traveling for vacation. Therefore, it should come as no surprise that many people take out a...

Medical Bill Debt Relief: Can You Erase it?

Medical Bill Debt Relief: Can You Erase it?

Financial AdvisorSometimes accidents and illness happen. When these types of situations occur, the only thing you can do is seek appropriate treatment. However, medical services don’t come cheaply. Even with insurance, medical bills can reach into the tens or even...

Government Debt Relief Programs for Businesses

Government Debt Relief Programs for Businesses

Financial AdvisorThere are many reasons why a business might face trouble with debt. After all, the economy can be unpredictable, and with world events happening at a faster pace all the time it seems as if nearly anything can upset your business’s cash flow. Many...

Best Debt Settlement Companies [Loan & Credit Card Programs]

Best Debt Settlement Companies [Loan & Credit Card Programs]

We can help you consolidate your debt.  Financial Advisor Choosing the Best Debt Settlement Company Check Reputation and Reviews False Advertising Fees and Charges Honest Answers First Settlement Date Have you racked up a few bills and started to feel the...

Debt Settlement Companies: What do They do?

Debt Settlement Companies: What do They do?

Financial AdvisorIntroduction If you are struggling to figure out how to handle your debt, chances are, you are resorting to the many different debt relief programs. In the financial industry, there are many different options and tools available for consumers just...

Debt Relief Review (Best Companies of 2020)

Debt Relief Review (Best Companies of 2020)

We can help you consolidate your debt. Financial Advisor What are the Benefits of Debt Relief? Pay Less Than You Owe No More Collection Calls Start Rebuilding Your Credit Get Back on Top of Your Finances Learn More About Finance It might not be surprising to hear, but...

Debt Relief vs Debt Restructuring

Debt Relief vs Debt Restructuring

Financial AdvisorIt seems as though there are more and more ways to handle debt these days. The surge of debt-oriented products and services is the result of the extreme lengths that people have had to go to in order to get by after being hit with a series or economic...

Best Debt Relief Programs: (Great for $10k+ of Debt)

Best Debt Relief Programs: (Great for $10k+ of Debt)

We can help you consolidate your debt. Financial Advisor Simply, debt relief is the actual process, or the tactics utilized, to help eliminate or reduce debt for an individual. Today, there are ample of debt relief programs that are designed to help accelerate the...

Does Withdrawing Money From Your 401(k) Make Sense?

Does Withdrawing Money From Your 401(k) Make Sense?

Financial Advisor For those having a retirement account that’s employer-sponsored, it never makes sense to dip into it because this can seriously affect your post-retirement life. However, this stands to be an option if you can’t resort to balance transfers or other...

Types Of Debt Consolidation Loans

Types Of Debt Consolidation Loans

Financial Advisor If you are struggling to pay off your debts, then you may want to consider getting a debt consolidation loan. These loans allow you to combine your debts and get a lower interest rate. This will make it easier for you to manage your monthly expenses....

How Debt Consolidation Loans Can Simplify Your Life

How Debt Consolidation Loans Can Simplify Your Life

Financial Advisor If you’re struggling to repay your debts, a debt consolidation loan could make good financial sense. Repaying your debts is an essential part of living a healthy financial life. Applying for debt consolidation can help you repay outstanding bills and...

Debt Consolidation is a Path to Financial Freedom

Debt Consolidation is a Path to Financial Freedom

Financial Advisor Debt has a tendency to drag people's lives down. When outstanding obligations are owed, the ability to maintain any level of financial independence becomes incredibly difficult. High rates of interest do borrowers no favors. As monthly payments are...

Using a Home Equity Loan or Line of Credit for Debt Consolidation

Using a Home Equity Loan or Line of Credit for Debt Consolidation

Financial Advisor If you are drowning in debt, you might want to consider consolidating your debt by refinancing your mortgage into a loan that carries a low-interest rate. If you have enough equity in your home, you can refinance your mortgage using part of your...

Secured vs. Unsecured Debt Consolidation Loans

Secured vs. Unsecured Debt Consolidation Loans

Financial Advisor Debt consolidation replaces multiple debts with one larger loan. This means that you only need to make a single payment each month. In addition to easier record-keeping and fewer payments, you will probably benefit from a reduced interest rate. Many...

The Difference Between Debt Management and Debt Settlement

The Difference Between Debt Management and Debt Settlement

Financial Advisor When people are struggling to handle their debt, they need to know the difference between two possible solutions known as debt management and debt consolidation. These are two very different financial strategies. The goals associated with each of...