Common Questions
How much does the debt management program cost?
Normally, there is a one-time activation fee and a monthly service fee. These fees are included in your monthly payments, so you do not need to have money today to start your journey towards financial freedom.
Video:Debt Collection Alert From The FTC
What do the new Credit Card Laws mean for me?
If you have not heard, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (the Credit CARD Act) was signed into law in 2009. The new law is intended to help protect consumers from unfair practices with regard to fees, penalties, interest rate increases and other unwarranted changes in account terms. Read on to learn more.
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Financial Education
Five tax credits you should know about!
Have you ever wondered how to get extra money back from tax returns? While these tips may not all apply to you and your situation, here is a list of five different tax credits being offered by the government that you may be unaware of.
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As a consumer, know your rights.
Being on the receiving end of debt collection attempts can be overwhelming and stressful. Even if you owe a debt, a collector should still provide you with fair treatment and respect - it’s important to know your rights!
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How Focus Can Change Your Life
It is not enough to wish that you were debt free or dream of being financially independent. Obtaining financial freedom requires more than dreaming. Find out how focus can change your life and the map of your financial future.
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Why We Give
Why do people give? Sociology professors may take a stab at figuring out our real motivations… whether time, money or resources here are some common reasons why we donate to charity—for better or worse. At least that’s what the cynics will claim.
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- 23 Common Causes of the Destructive Debt Spiral
You’re living paycheck to paycheck, one emergency away from charging your mortgage to your credit card. Then the car breaks down - $576. Then your son breaks his arm and your insurance doesn’t cover it all - $365. Then your checks for your utility bills bounce, and to top it off your work announces upcoming layoffs. Suddenly you realize you’re deep down the debt spiral, out of control and terrified for the future of your family. It’s usually not one cause, not two, but a combination of events and decisions can send you down the debt spiral where suddenly you’re borrowing money to pay debts, monthly living expenses, and more.
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