melissacook

Melissa Cook

Melissa has a degree in English and marketing from University of California Irvine. She is a creative and accomplished content writer and editor with comprehensive experience developing rich, compelling content for a variety of websites. With her expertise in writing a broad range of content, combined with outstanding interpersonal skills and commitment to exploring innovative ideas, Melissa has done an excellent job developing content for blogs, articles, social media, and the company website. When she is not writing, Melissa spends most of her time cooking, traveling the world, and catching her favorite Broadway shows.


Debt Management Vs. Debt Settlement: Which Is Better?

Updated Mar 20, 2024
By Melissa Cook
Debt Management Vs. Debt Settlement: Which Is Better?

Debt management and debt settlement are two of the most common debt relief options. Both strategies offer paths to debt freedom, but understanding their differences and choosing...

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How To Deal With Debt Stress (Follow These Simple Steps)

Updated Mar 13, 2024
By Melissa Cook
How To Deal With Debt Stress (Follow These Simple Steps)

More and more people are struggling with debt stress nowadays, and it's not hard to understand why. With the rising cost of living and increasing personal expenses, it's easy to...

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Tax Consequences Of Debt Settlement (A Simple Guide)

Updated Feb 29, 2024
By Melissa Cook
Tax Consequences Of Debt Settlement (A Simple Guide)

In most cases, the majority of people receiving 1099-C forms were insolvent or mostly insolvent when their debt was forgiven. And by filling out this IRS form, they can avoid paying...

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Why Is My Credit Score Different On Different Websites?

Updated Feb 21, 2024
By Melissa Cook
Why Is My Credit Score Different On Different Websites?

When it comes to the representation of your financial health and lendability, few things are as crucial as your credit score. It’s a key factor in determining your ability to obtain...

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Credit Card Debt Forgiveness For The Disabled: How It Works

Updated Feb 07, 2024
By Melissa Cook
Credit Card Debt Forgiveness For The Disabled: How It Works

Living with one or more disabilities can be tough, but this guide aims to shed light on credit card debt forgiveness for disabled individuals, providing essential information and...

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Should I Use My 401(k) To Pay Off Debt? (Consider These Factors)

Updated Jan 30, 2024
By Melissa Cook
Should I Use My 401(k) To Pay Off Debt? (Consider These Factors)

Many people facing financial difficulties find themselves questioning whether or not they should use their 401(k) plan or other retirement savings to pay off their debts. Here's what you...

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Does Filing For Unemployment Affect Your Credit Score? (The Truth Revealed)

Updated Jan 25, 2024
By Melissa Cook
Does Filing For Unemployment Affect Your Credit Score? (The Truth Revealed)

Simply put, filing for unemployment doesn't directly impact your credit score, nor does it show on your credit report. However, some trickle-down effects can indirectly affect your...

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What Happens To Debt After Divorce? (What You Should Know)

Updated Jan 17, 2024
By Melissa Cook
What Happens To Debt After Divorce? (What You Should Know)

When facing a separation or the dissolution of a marriage, a common initial concern revolves around responsibility for one's spouse's debts post-divorce.  Here's what you need to know...

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How Does A Late Payment Affect Your Credit Score?

Updated Jan 11, 2024
By Melissa Cook
How Does A Late Payment Affect Your Credit Score?

Most people don’t know this, but even if you have otherwise spotless credit, a payment that's more than 30 days past due can knock as many as 100 points off your credit score and...

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