The offense is a microaggression if it refers to anything that might, with some imagination, resemble racism, sexism or culturalism. Itâs usually an accident caused by a failure to read minds. Other thoughts:
The debt avalanche is  the practice of ranking debts by interest rate and paying each off by starting with the highest-interest debt first. This approach may help you save the most money overall, and is often recommended by financial advisers as the best way to pay off debt. The plus is, of course, paying less interest, says Beverly Harzog, a credit and consumer expert and author of The Debt Escape Plan.
The most popular of these are debt negotiation (also called debt settlement), consumer-credit counseling, debt consolidation loans, balance transfers and the most serious of all declaring bankruptcy. Each of these options has the same goal, which is to provide debt relief. However, consumer credit counseling, debt consolidation loans and bank transfers have one serious negative in common. They cannot reduce anyoneâs debts. The only option capable of doing this is debt negotiation when it leads to debt settlements.