I’ll admit right away — I miss college. I miss the friends, the freedom, and especially the parties. What I don’t miss is all that credit card debt that once accumulated! I’m smart enough to stay away from those “free” t-shirt deals now, but it took me a while to get a good game plan […]

Why Credit Card Companies Send Disclosure Letters Credit card companies regularly send disclosure letters to cardholders. These letters inform you about changes made to your cardholder agreement. Most disclosures begin by stating that certain terms of your agreement have changed. Usually, the company highlights key updates in a summary section. However, if the issuer already […]

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 […]