Sean Fox | Source | President of debt solutions at Achieve

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Sean Fox

President of debt solutions at Achieve
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Sean is a personal finance expert who leads product, analytics, and business development for Achieve. Previously, he served as chief operating officer for Reply! Inc., an online marketing platform, and president of Connecting Neighbors, a social networking start-up. He was vice president of sales and strategic alliances at Internet Pictures Corporation, and worked in marketing at bamboo.com.

Sean holds a Juris Doctor degree from Georgetown Law School, a Master of Philosophy degree from Cambridge University, and a Bachelor of Arts degree from Stanford University.

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  • Achieve
    President of debt solutions
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  • Debt Solutions Expert Offers Budgeting Tips for Low-Income Households
    Sean advises starting with goal-setting and budgeting basics, regardless of income level. He emphasizes using any comfortable tool, like apps or spreadsheets, to track finances. Sean highlights the importance of tackling high-interest debt first and suggests methods like the snowball or avalanche strategies. For those struggling, he discusses debt consolidation options, weighing their pros and cons, and stresses the need for a small emergency fund.
  • Debt Relief: Choosing Between Management Plans and Settlement
    Sean suggests a debt management plan for "slightly lower interest rates" to help pay off debt faster. For those facing financial hardship, he recommends debt settlement, which involves negotiating to reduce the principal owed. Sean notes, "Debt settlement’s repayment terms are usually better than those of Chapter 13 bankruptcy filings."
  • High Credit Card Debt: Red Flags and Prevention Tips
    Sean highlights three red flags: "negative credit score impact, inability to save for goals, and juggling cards for necessities." To prevent debt, he advises budgeting, using cash or debit cards, and building an emergency fund. Sean emphasizes disciplined spending and adequate insurance to avoid financial pitfalls.
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