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Credit Card Debt Laws That You Need to Know
With the struggling economy, many people are finding themselves deep in credit card debt. Therefore, consumers are forced to turn to debt consolidation in order to get control of their finances. However, before a person decides to consolidate their credit card debt, they need to be aware of the credit...
Paying Off Debt With Debt Consolidation
Living with debt is by no means easy. There’s the constant concern of living paycheck to paycheck and the never ending issue of covering monthly bills and living expenses. While most of us pride ourselves on being self-sufficient, it’s hard to ignore that we all sometimes live well beyond our means....


A more complete debt settlement calculator


General Debt Advice

Figuring out the severity of your problem

Want & Need Help?
This article discusses two of the major signs you need help with your debt---cash advances and bounced checks---and how the problems can be alleviated.

Free Reduction Help
This article details when exactly someone should start seeking professional debt reduction help.

 

Figuring out where to turn

Help To Solve Problems (take out the first part that gives a list of common debt problems)
This article deals with how you can determine if you have a legitimate debt problem, what solutions are available, and what to do if you are working with a company and are having difficulties.

Getting The Best Help
This page discusses how your credit score or rating and income will likely determine what the most suitable path for debt help is for you.

The Best Steps & Ways to Get Out of Debt
This article is a detailed description of all the ways and means to get out of debt fast, Whether you have bad credit or business debt, this article will show you what to do.

Debt Management
This article gives a brief review of the types, ways, and services for managing your debt, and then answers some frequently asked questions relating to debt management programs.

Credit & Financial Assistance
This article answers frequently asked questions about financial problems and what government and private assistance is available to help people.


Specific Types of Debt

Paying Hospital Bills
This page is deals with how to consolidate hospital & medical bills, the options available to reduce your payments, and get out of debt.

Unsecured Debt
What is unsecured debt? Why do debt management companies only work with this type of debt? This page will answer all your questions relating to unsecured, personal, and consumer debt.

Help for Unsecured Personal Loans
This article offers some useful tips, advice, and warnings for people who have unsecured personal loans that are seeking ways to get debt help.

Business Debt
This article discusses how business owners can determine if they are personally liable for their company's debt, and if so, what debt consolidation options are available to them for help with their creditors.


Making sure the credit card companies don’t win

Consolidating Credit Card Bills & Managing Account Statements
This article offers useful information about how to understand your credit card bills and statements---how the balance, interest, and monthly payments are calculated, as well as what are the best consolidation options to help you pay off your debt.

Interest Rates
This page discusses how credit card interest rates are determined for each consumer, how it is calculated, and some ways to negotiate for reduced charges.

Avoiding Late Fees & Penalties
This is an article detailing the history of the credit card late payment fee and how to avoid these types of penalties on your outstanding accounts.

Minimum Monthly Payments
This page deals with the consequences of missing credit card payments, as well as what options are available for people need help reducing their account balances.


Interest Stories & News

Cutting Debt
This page discusses how cutting debt is a leading New Year's Resolution and how it relates to the most popular goal for after January 1st---losing weight.

Life Being Buried
This page deals with every aspect of being overextended in credit card debt---from issues with collection agencies to how many Americans find themselves in this position to begin with.

 

Featured Articles

Things That Have a Negative Impact on Your Credit Score
Credit is a useful tool and when handled responsibly allows us to obtain credit cards, loans for homes, cars and other big ticket items. The better we handle our credit, the better the terms that are offered to us from lenders including higher credit lines and lower interest rates. If, however, a...
Easy Steps To Get Out Of Debt
The dismal economy is having an adverse effect on people around the globe with millions facing tremendous amounts of debt. For many, escaping their debt seems like a far off dream but it doesn't have to be! By applying a few simple guidelines to your spending habits, you can begin to reduce credit card...