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That said, it can be worth prioritizing that smaller bill if you’ll gain a lot of psychological satisfaction from wiping a debt out in its entirety.
After all, putting 0 towards a ,000 credit card bill with an 18% interest rate will save you far more than paying off a 0 bill at 6%.
And if you quit or lose your job, you’ll probably have to repay the entire borrowed amount within three months or face a stiff penalty.
Credit counseling services provide various resources to help solve your money problems.
A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).
Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.