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O'Bryan Blog

Credit Score & Report

What Is a Charge-Off?

Credit scores and credit reports are extremely important when it comes to making major purchases, such as when you buy a home or a car, or even when you open

January 20, 2023

Creditor Harassment

Can a Debt Collector Call You at Work?

If you have debt, you probably don’t need repeated calls and letters about how much you owe. Having debt collectors call you at home is hard enough, but can a

December 19, 2022

Debt

What Is the Debt Snowball Method?

The consumer debt balance in America currently sits at $15.31 trillion. This is a huge, almost inconceivable number, but it covers a lot of categories. Mortgages and car loans are

December 19, 2022

Credit Score & Report

How to Get Out of Debt With No Money and Bad Credit

Debt can quickly become overwhelming and leave you feeling stressed. In a world of high interest rates and exorbitant late fees, it’s not uncommon for debt to double or triple

December 19, 2022

Debt

How Much Credit Card Debt Is Too Much?

Table of Contents Today’s generation hardly understands the right questions to ask to build and mold a positive future for themselves. For some, it’s the ongoing need to fit in

August 12, 2022

Debt

If I Pay a Collection Will It Be Removed?

Table of Contents Have you ever wondered, “If I pay a collection will it be removed?” Did you know that if you pay off a debt collection that has rolled

July 8, 2022

Debt

What Does it Mean to Be in the Black or Red?

Table of Contents The world of finance is a complicated area, and it has its own language. You may have heard the phrases ‘in the black’ and ‘in the red’

June 20, 2022