Settling debt for $0.20 on the dollar sounds too good to be true, but is that type of agreement really realistic?

Disputing charges is easier than most people think. Here's what actually happens behind the scenes -- and when to contact the merchant first.

U.S. credit card debt hit $1.28 trillion in 2025, with average interest rates exceeding 23.5%. Building a $500–$1,000 emergency fund can prevent setbacks during unexpected expenses. Use the debt ...