At KLS Financial, the majority of accounts that come across our desks concern medical debt, and unsurprisingly so – medical debt is undoubtedly one of the most common forms of debt, affecting a huge variety of consumers at every walk of life and in every financial situation. Whether you find yourself on the receiving
Hypocrite Alert!!!! Full disclosure, I am so bad at this! When it comes to giving advice on “what not to do,” sometimes it can be extremely difficult to find things to share because I am not perfect. So far from it, actually! This week, I want to talk about something that I struggle with
What comes to mind when you hear the words “debt collector"? A thick envelope, emblazoned with the feared “final demand” stamp? A curt, vaguely ominous voicemail, coldly instructing you to return the call and discuss the urgent state of a balance you never knew existed? Or perhaps a scene akin to the floor of
In previous posts, we've discussed at length myriad ways to improve, repair, and rebuild your financial standing. But what if you're a young adult, financially fresh and only just beginning to get your feet wet in the world of self sufficiency? Navigating life on your own is unquestionably scary, and many people fall victim
About 5 years ago, I went to a dating seminar for advice on how to fix my, in hindsight, un-fixable relationship #supportingselfimprovement. While I don't remember the majority of what was discussed, I did walk away with one question that stuck with me. “Are you the person the person you’re looking for is looking
We’ve established the “new year, new me” ideology and accepted that change will be inevitable in 2019, but where do we go from here? With a god-like willpower and a passion for changing our financial future, let me introduce you to your neglected friend, the credit report. I’ve found in my years of working
I met Starbucks during my freshmen year of college. After long nights of studying, the only thing that got me to class on time was that $5 latte at the shop conveniently located next to my 8:00 a.m. class. After a while, my connection with that latte grew tired, a typical trait in most
It’s that time of year again, where the motivational pull to be responsible is stronger than ever. New Year’s resolutions are being made and everyone is rushing to the gym. Even though “eating better” and “exercising more” are among the most popular goals at the beginning of the year, there is another thing people
