One time I bounced a check... which is such a harmless mistake, generally, but I actually did feel really guilty. It's hard to say why; in part because my own disorganization affected the person I needed to pay money to.

I've been working on getting out of debt for a few years now using ReadyForZero.com. Prior to that I was constantly trying to figure out the best way to pay off debt and mostly just succeeded in getting myself into more. Their system goes by paying off the highest interest rate credit card first, regardless of…

Thank you so much! I was looking at this every which way I could think of last night, coming up with nothing, and I happened upon this open forum today. You fiscal frugal financial folks are true rock stars with caring advice, amongst those out there just trying to get people into their loan services or sketchy…

Hi Shelley - can you send us an email: support@readyforzero.com? We will try to help!

For me, there was something psychological about Ready for Zero's emails, gold stars, etc. You don't like to think of yourself as operating on a rewards system like a puppy, but whatever - ReadyforZero.com really truly worked for me. I paid down $37k in debt. (They even profiled me here:…

I have added two Mohela accounts...

Hi Goose88 - we don't have relationships with anything related to settlements. We're very transparent about how the site works and how we make money, please review our FAQs (https://www.readyforzero.com/faqs) and feel free to send us thoughts/feedback directly, we may be able to help. Thanks!