If you’re considering using the services of a credit counseling organization, here’s what you can expect.
When it comes to dealing with debt, you have options. Find out what you can do, and get tips for avoiding scams.
U.S. bankruptcy law requires credit counseling before you file for bankruptcy and debtor education after you file.
Here’s what you need to know about getting out of debt.
Interest rates and minimum monthly payments affect how long it takes to pay off debt. Use the calculator to help you estimate how long it will take you to pay off your credit card balance.
Read how debt settlement companies work, the program risks, how to research companies, and other options for debt relief.
Before you consider “factoring” — selling part of your disability settlement for quick cash — know what you’re getting yourself into.
Companies promising a “new credit identity” may be selling stolen Social Security numbers.
Find out how you can improve your credit and get free or low-cost help.
Some ads that promise debt relief may be offering bankruptcy if you read between the lines.
If you owe back taxes, try to negotiate with the IRS or your state comptroller on your own. Tax relief companies can’t do anything for you that you can’t do for yourself.
Learn how debt collection arbitration works and what your rights are.
You have rights when you deal with debt collectors.
Who is responsible for paying off the debts of your deceased relatives?
Here’s how to tell if a call is from a legitimate debt collector or a faker.
You may be able to protect the federal funds in your bank account from being garnished.
Collectors may not be able to sue you to collect old debts. The statute of limitations varies among states and for different kinds of debts.
Is the Sun Going Down, or Coming Up?