Buy Now, Pay Later (BNPL) Debt: The Hidden Trap Hurting Your Credit
“No interest! Easy payments!” sounds harmless—until missed payments trigger fees, credit damage, and debt collector calls. Buy Now, Pay Later (BNPL) services like Afterpay, Klarna, and Affirm are exploding in popularity, but many users don’t realize how quickly these “convenient” payments can wreck their finances. At Delmarva Collections Inc, we help consumers escape the BNPL […]
Medical Debt Crisis: How to Negotiate or Eliminate Bills Before They Go to Collections
Medical debt is a silent epidemic in America—1 in 5 U.S. households has unpaid medical bills, and 60% of all debts in collections are medical. The worst part? Many people don’t realize they can negotiate, reduce, or even eliminate these bills before they wreck their credit. At Delmarva Collections Inc, we help consumers and healthcare […]
5 Reasons Students Should Seek Debt Help Early
1. Avoid Long-Term Credit Damage A single missed payment can drop your credit score by 100+ points, making it harder to: Rent an apartment Get a car loan Qualify for future student aid Land certain jobs (employers check credit) A debt agency can negotiate with creditors to prevent negative reporting. 2. Stop Harassment from Collectors […]