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Credit Counseling

Bankruptcy Facts: What You Need To Know About Credit Counseling

Any debtor wishing to file bankruptcy is required to take a credit counseling and budget course before they file.  If they do not take the credit counseling and budget course they will not be...

How To Prevent Loved Ones From Ruining Your Credit

One common credit problem that is rarely talked about is when a family member or other loved one ruins your credit by either stealing your identity to breaking their promise to repay debt that...

Stop The Faux Moral Outrage About Personal Bankruptcy

As the number of Americans filing bankruptcy reaches an all time high there has been a rise in the faux "moral outrage" against bankruptcy.  Many so called debt repayment "gurus" are thumbing down their...

Some Credit Unions Say ‘Bye Bye’ To Overdrafts – Banks Should Too

Some credit unions are banishing overdraft fees by creating checking accounts and debit card options that eliminate overdrafts by limiting an accountholders ability to withdraw only the amount of cash available in the account....

Big Banks Pushing “Shadow” Payday Loans?

A new report was recently released by the Center for Responsible Lending, stating that many mainstream banks are offering short-term, high-interest loans that are basically payday loans in the form of a paycheck advances. ...