Debt Consolidation

Debt consolidation can help you merge multiple debts into one simple payment. Save money, lower interest rates, and achieve financial freedom.

Honest conversation at home: sharing the numbers, agreeing on a plan, and respectfully asking for support—a family money conversation that starts with listening and transparency.

Difficult Conversation: How I Telled My Family About My Debt

Discover how to talk about debt with family respectfully and clearly. Personal narrative, real conversations, reactions, lessons on asking for financial help, and a practical guide to preparing for the conversation.

Debt Elimination

Robson Silva

Oct 311 min read

Person negotiating debts with a bank and getting up to 70% discount using real negotiation scripts.

How to Negotiate Debt: I Got a 70% Discount with Real Scripts, Step by Step

Learn how to negotiate debts with up to a 70% discount. Real-world, step-by-step guides, pitfalls, and a results spreadsheet by creditor.

Debts and Negotiation

Robson Silva

Sep 88 min read

Debt Consolidation

Difficult Conversation: How I Telled My Family About My Debt

How to Negotiate Debt: I Got a 70% Discount with Real Scripts, Step by Step

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