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Bill collectors can be overly aggressive when trying to collect on a debt. In order to deal with them effectively, you need to know your rights.

Estate Planning - Avoid Probate

Because of the pain and stress that is caused by the probate process, most people want to avoid having their estates go into the probate process upon their deaths.
If you carry a balance on credit, you should make every possible effort to avoid making a late payment and incurring the penalties for doing so.

Old Bills Can Still Haunt You

If you have an outstanding bill and you think the creditors will write it off, think again.  They may do so, but that does not get you off the hook.

Savings – How Much is Enough?

How much of your paycheck should you save? Here's some things to consider in helping to answer that question.
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The Danger Signs
Of Excess Debt


  • You make only minimum payments on your credit cards each month.

  • You are at or near the limit of your credit cards.

  • You applied for more credit cards in the past year.

  • You have begun charging small items or essentials like food and gasoline.

  • You have recently paid a monthly bill using a credit card cash advance.

  • You are often late paying some or all of your bills.

  • You are unsure how much you owe creditors.

  • You are receiving calls or overdue notices from creditors.

  • You have no budget.

  • What To Do If More Than Two Of These Apply To You?

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