: About Me

Sage Kalmus is the author of the visionary metaphysical fiction book: "Free Will Flux – a novel?" By trade he is a freelance ghostwriter and web copywriter/blogger with clients all over the world. He is a graduate of Boston University's Film School, which is probably why everyone says his book reads like a movie. He married his best friend and together with their four-legged family they live happily on the beautiful Big Island of Hawaii. He is currently working on his second novel, Noh Man, which is nothing at all like his first. He believes we are all interconnected.

Personal Finance > Managing Debt The benefits of debt settlement

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You don't have to be drowning in a rapidly rising tide of debt forever. Even if your income has dropped, your payments have grown to prohibitive proportions, and your balance is now building exponentially due to late fees and other penalties. Because despite popular misconception (and no doubt a great relief to many) getting out of debt does not necessarily require paying off your entire balance in full, plus all accrued interest charges, fees, and penalties. On the contrary, several options exist for eliminating your debt once and for all, at a lower total cost, with payments that fit rea...

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