• You routinely
spend more money than you earn.
• You make only the minimum payments required on your credit cards.
• Your credit limit is maxed out on most or all of your cards.
• You are unsure of how much you owe.
• You skip payments on some bills in order to pay others.
• You use credit cards for day to day purchases such as groceries and
fast food meals.
• You have recently been turned down for credit or a loan.
• Creditors are calling you about overdue bills.
• You are thinking about filing bankruptcy.
If you find yourself in any one of these situations, you should think
seriously about addressing your debt problem.
Helpful Financial Forms - Download financial forms.
Cards - Learn about important terms before applying for a
Consumer Rights - Learn about your rights under the Fair
Credit Reporting Act.
Debt Warning Signs - Learn about the warning signs of debt.
Scores - Learn about credit scores and why they are so
Telemarketing Scams - Top 10 telemarketing scams.
Money Saving Tips - Tips to help you save money.
Consumer Debt Statistics - Detailed consumer debt statistics
in the U.S.
Debt Management Plan - How debt management helps you.
Repair - How credit repair helps you.
Foreclosure Prevention - How and why to prevent foreclosure.