July 30, 2008
- Bankruptcy Laws Protect Borrowers From Harassment By Creditors
The phone rings and you are overcome with a feeling dread. Is it another creditor calling you again demanding payment?
For many people this is an everyday occurrence. But it doesnt have to be. (…)
July 2, 2008
- Make An Extra $50 Payment On Your Credit Card This Month
I posted a new article on the DebtSmackdown.com blog and thought I'd link it from here as well, in case you're not signed up to receive automatic updates over there. (…)
May 8, 2008
- The Fair Debt Collection Practices Act (FDCPA) Explained
One of the most frustrating parts of falling behind on a debt is when the creditor loses patience in trying to collect on their own and sends your balance to a collector. (…)
April 4, 2008
- The Growing Problem of Credit Card Debt
One of the most serious financial problems facing Americans today is the issue of credit card debt. (…)
March 28, 2008
- What Are Some Options For Getting Away From Debt?
One of the most stressful parts of life for many consumers is managing their debt. (…)
February 11, 2008
- Do You REALLY Know What's In Your Wallet?
Humberto Cruz, writing the Salt Lake Tribune, makes some very salient points about how Americans view their relationship with their credit cards. (…)
January 22, 2008
- 5 Ways To Make An Extra Payment On Your Credit Card Next Month
When you're paying off credit cards, the most important thing you can do is pay more than the minimum payment every month. (…)
January 19, 2008
- Using 0% Credit Card Offers Wisely
If you have reasonably good credit and at least one credit card, chances are you'll receive some offers for new credit cards at 0% interest for a certain length of time. (…)
January 9, 2008
- Dealing With Debt Collectors
If you have any credit cards or other debt that is past due, you've probably had phone calls or letters from debt collectors. (…)
January 8, 2008
- Do You Spend Emotionally?
You may have heard the term "retail therapy" - it's used for people who spend money emotionally, usually as a way to deal with stress or anxiety. (…)
August 16, 2007
- The Insidious Nature of Credit Card Debt
Sometimes, the worst part about amassing a large amount of credit card debt isn't necessarily the financial hole you've dug for yourself, but the hit you take in your emotions. (…)
August 15, 2007
- Should You Consider a 0% Credit Card Offer?
You get stacks of them in your mailbox every week. Those credit card offers promising 0% interest on balance transfers and even new purchases until some date far out in the future (usually six months to a year). (…)
August 9, 2007
- Credit Card Debt Rises as Housing Weakens
The Federal Reserve reported that consumer credit, that is, non-mortgage loans to individuals, rose some 6.4% at an annual pace, or $12.9 billion dollars on May, fueled in large degree by the housing slump as well as concerns over high energy prices. (…)
July 20, 2007
- Reducing Credit Card Debt Part 4 - Negotiating Terms On Your Credit Cards
If things have come to the point where you need to start doing something, hopefully before you start to receive threatening calls from the credit card companies or when you just see a crisis looming on the horizon, you may want to get a plan for negotiating a plan with your creditors. (…)
July 18, 2007
- Reducing Credit Card Debt Part 2 - The Snowball Method
The Snowball method of debt reduction was so named by Dave Ramsey, a very savvy and popular personal finance guru, and the truth is, the Snowball Method just plain works! (…)
July 16, 2007
- How to Reduce Your Credit Card Debt - Five Helpful Strategies
If you're like many Americans who find themselves further and further ensnared by the credit card debt trap, take heart in knowing that you're not alone, and the road has been traveled before. (…)
January 30, 2007
- A Society Of Borrowers
The credit card companies would like us all to believe that we can buy anything we want. Just charge it up on your credit card and don't worry about paying - that can come later. (…)
