The credit card companies are sending many disclosures to people who have their credit cards. The letters or disclosures often start with “certain terms of your card holder agreement (“Agreement”) governing the credit card account (“Account”) have changed. Usually the credit card company will summarize the changes in Part I below, unless they previously notified […]

Found this over at one of our favorite blogs, The Five Cent Nickel: As most of you know, I got an iPhone back in July. Since it arrived, I’ve had a blast digging through the App Store looking for life-changing apps. While I’ve found some real gems, I’m sure that I’ve missed out on some […]

Many people turn to debt management agencies as a way of restructuring their debt. The goal of rearranging debt is to eventually pay off the amount owed and prevent the necessity of filing for bankruptcy. However, not everyone makes the most of debt management. This can lead to situations where more debt is accumulated and […]