Learning Credit and Debt Management

Debt Management Articles:

Debt Priority- Hierarchy of Debt- What do you do when all of a sudden the month is just beginning and the $$$$'s are gone? All debt is not equal.
5 Proven Steps To Budget Motivation - If you ever wanted out from under a sea of debt, you need a budget and a plan to stick to it.
Statute of Limitations (SOL) - What is "SOL" and how does it affect your debt being collected?
Judgements, Liens, and Other Legal Issues - If I am delinquent will a creditor sue me? What happens in a judgment? What is a lien and much more?
Fundamentals of Paying Your Debts - Paying your debts is a very simple matter... not easy but simple. Find out how.
Debt Destroyed By Magic Bullet - Eliminate all debt including the mortgage with current income in less than 8 years.
Frugal Corners - If you need cost cutting tips and ideas, you will probably find them within these resources.
How Much Is a "Ton of Interest"? - If you have month left after the money, perhaps it is due to compound interest.
40% Tax Free Pay Raise - Would a 40% tax free pay raise without asking the boss be of interest?
Money Strategies in Car and Life insurance - 9 ways to save on car insurance right now and a different look at life insurance.
How to Curb Your Spending - Learn how to realistically budget and discover ideas to curb your spending.
Senior Debt: A Growing Problem - Retirees are now the fastest growing segment of bankrupt Americans. What can be done about it?
How Bad Is Your Debt Vulnerability - How can you protect yourself from a major financial disaster?
Foreclosure, Eviction, Repossession - How do these processes work and are their any recourses?
Compound Interest in Monthly Payment - If you have to much month left over after the money, look at your monthly payment and it's compound interest.
What Constitutes A Good Budget? - What makes up a good personal budget? Find out what the experts say.

Credit Management Articlees:

Credit Card's Dirty Little Secrets - Do you know about credit cards and their dirty little secrets? I make my living knowing about them and I was unaware of many issues that a PBS special brought to light.
Free Annual Credit Report - Discover how to get a free copy of your credit report as well as repair your report once you have your credit file on hand.
Divorce and Credit - Until your finances are divorced, you are not divorced. Find out why.
Credit Scoring Basics - What's a credit score? How is it calculated? Is it a good or bad thing?
Improving Your Credit Score - You can only improve your score if you know what makes up your score and how to affect it.
Credit Frauds You Can't Resist - File segregation and debt eliminations scams are so irresistible but can send you to jail. Learn about them in advance.
Credit Cards--- They're Just Like Drugs - credit cards offer illusion, short-term gain and long-term pain.
Grading Campus Credit - Credit card promotion to unsuspecting youth is out of hand. What can you do about it?
Secured Credit Cards - A secured credit card can be a blessing for the consumer with poor credit. It can also be a headache.
Gift Cards - Gift cards can be a great gift. But are they safe and are they as convenient as promoters would have you think they are?

Counseling Articles:

What Traditional Debt Counselors Don't Want You To Know- Discover the truth about today's debt counseling and whether it is right for you. There may be a better way.
Specialized Needs In Debt Counseling - Contrary to media hype, there is a way to get the debt help you need and still maintain your credit. Find out how.
The Truth About Debt Negotiation (Settlement) - Read past the ads and learn the truth from real people who have been there. Learn their tips and ideas.
Money Talk or "Debt Us Do Part" - If you want any hope of marital bliss, this is one talk you MUST HAVE.
Payday Loans - Learn about this multi-billion dollar industry you never want to get lured into.
Protecting You, The Consumer - The FDCPA protects the consumer from harassing and illegal collection tactics. Here are the basics.
Is a Home Equity Loan a Wise Decision? - Discover the pros, cons and alternatives to home equity loans.
Bankruptcy, Last Option Only? - The law requires you know the options that are available prior to declaring bankruptcy. Find them here.
5 Steps to Change Any Habit - If you want to change any habit, change the actions that produce the habit. Learn the most powerful 5 step system.
Rapid Refund and Dealing W/ IRS - Rapid Refunds can equate to loan sharking and knowing how to talk to the IRS can make a major difference in tax consequences
The Other Side of Payday Loans - Is there a positive side to payday loans? Perhaps there is.
Cashless Society... What's Wrong With It? - We not only tend to loose sight of the greenback, but of the greenback’s value as well.
Bad Checks Mean Bad Business - Learn about bad checks and how to avoid them before trouble finds you.
Key Questions Before Helping Others - Here are some key questions to ask before electing to help others financially.
Bogey Never Said It - Just like Bogey's famous line is oft misquoted, there are many fallacies advertised in the credit management field.