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 […]

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 […]

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 […]