Credit counselors help consumers manage -- and ultimately lower -- their debt. They promise to negotiate with debtors, create payment plans, and lower the interest rates of people in debt. Their ultimate goal is to eliminate your debt. Credit counseling can be good... so good, it's even mandatory in some situations -- like before you can file for bankruptcy.
If you're looking for some debt collection help, including tips for dealing with debt collectors who are harassing you, start here. These tips will help put an end to all the phone calls from debt collection agencies, and put you back in control of your past-due bills.
Here's why it's worth it to let your credit score suffer a bit while you dig yourself out from under the weight of too much debt. It's best to worry about your credit score later.
Hearing about Ivan's financial situation on NBC's Today Show made me flash back to my own college days when I, too, was in debt up to my ears. Jean Chantzky's recommendation for Ivan was basically to try credit counseling. Here's why, plus what to look for when you're trying to find a reputable credit counseling company...
When your spouse dies, what in the world are you supposed to do next? How do you keep your head above water -- financially -- in addition to keeping it all together emotionally? Here are some tips for getting your financial things in order, so things will go more smoothly regarding money and paperwork after the loss of your spouse.
Catching up on your bills may not be easy -- especially if you are chronically behind -- but with a few months of sacrifice, you could get your payments on track and increase the amount of money you can spend on yourself. Here are some tips you can use to start paying your bills on time...
For many people, shopping for themselves can bring on feelings of guilt, anxiety, and doubt. However, the process of deciding what to buy this month, and what can wait until next month does not have to be so hard.
Here's how to create the world's simplest budget... One that's guaranteed to get you out of a desperate financial situation and make you happy for a change!
Some great tips for stretching a dollar and getting by when times are tough.
if you just can't afford all of your expenses, the best thing you can do for yourself is to let something go -- which can mean downsizing your home, moving into an apartment, or giving up a car. The result of letting go is a better relationship between your debts and your income. You'll find a comfort zone that you can live with -- day in and day out.
