How do debt relief programs affect the credit score

100 dollars banknotes

Debt settlement programs are typically offered by for-profit companies, and involve them negotiating with your creditors to allow you to pay a “settlement” to resolve your debt – a lump sum that is less than the full amount that you owe. Most debt relief programs and companies exist for individuals and for small business owners. This is simply because many…

8 things to do before filing bankruptcy

bankruptcy petition

Many things that you do or don’t do might have serious effects on your bankruptcy concerns. If you already made the decision to file bankruptcy, you need to realize that this decision is not an easy one. Having come up with such difficult decision, it’s vital to avoid certain mistakes as well as actions before filing bankruptcy. The following are…

Tips on how to handle lighting and shadows in Photoshop

adobe photoshop macbook

The key rule with lighting is “thou shalt not lose thy fade”. One of the biggest and most common editing mistakes is that highlights are too bright and shadows too dark. This creates a harsh image that seems unnatural. Unless you’re working with an art piece, this doesn’t work for most commercial imagery and looks forced. It’s also most unflattering…