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For People on Debt Management Plans (DMP): A Must-Do List Reputable credit counseling organizations employ counselors who are certified and trained in consumer credit, money and debt management, and budgeting. Contacting Your Mortgage Loan Servicer Before you have any conversation with your mortgage loan servicer, be prepared. How to Avoid Default and Foreclosure If you have fallen behind on your payments, consider discussing the following foreclosure prevention options with your loan servicer: Mortgage Payments Sending You Reeling? Here’s What to Do The possibility of losing your home because you can’t make the mortgage payments can be terrifying. Before You File for Personal Bankruptcy Get Educated Information about credit counseling and debtor education Solving Your Credit Problems Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. Mortgage Rescue Scams Are On The Rise With thousands of foreclosures because of the sub-prime mess, the wolves are looking for sheep. There Is No Quick Fix For Improving Your Credit Report It takes time to repair you credit – it can't be done overnight. Anyone Can Qualify For A Major Credit Card Is it really true that anyone can qualify for a major credit card? What To Do If You Have Credit Problems Here are some basic steps to take if you have credit problems. Are You Managing Credit And Debt Or Is It Managing You? Who is in control – you or your credit card? Fraud Prevention Tips For The Elderly Fraud artists target the elderly more often than you might think. Is Debt Consolidation The Answer To Your Debt Problem? If you are deep in debt you need to do something to get out. Consolidating your debt is one way to fix your problem. Are You Having A Hard Time Dealing With Debt? What options do you have when you are trying to erase your debt? How To Prevent Home Repair Scams and Disputes Spring is right around the corner and it will once again be time for the home repair scam artists to come out of the cold. Nothing But The Real Truth About Credit Repair Don’t believe everything you see in the papers or hear on TV about credit repair. Questionable Credit Repair Offers Are you trying to get your credit repaired? You should read this. What Are Debt Negotiation Programs? Are you drowning in debt? A debt negotiation program may be the answer. What Is Debtor Education? Bankruptcy Post-Filing Debtor Education Think Before You File For Personal Bankruptcy Information about credit counseling and personal bankruptcy Don’t Despair With Credit Repair Having credit card debt may seem like the end of the world, but, there are steps you can take to repair your poor credit. How To Dispute Mistakes On Your Credit Report Credit card reporting companies can and do make mistakes on your credit report. 7 Things Seniors (and Everyone Else) Should Know About FDIC Insurance How much does the FDIC insure your savings for? How Senior Citizens Can Simplify and Organize Their Finances Everyone can use some help getting their financial affairs in order, but especially senior citizens who may face special challenges and decisions involving money management later in life Protect Yourself Against Financial Fraud How can you and your family be on guard against financial scams, especially those that target the elderly? Some Retirement Strategies For All Ages: A It doesn’t matter what point of your career you are in, it is not too late to save for your retirement. What Do You Need To Know to Apply for a Credit Card? All credit cards are not the same. You need to find one that matches you and your spending habits. American Express Blue Or Green Credit Cards Green or Blue? Which American Express card is right for you? Credit Card Rates And APR's Do you know how much you are really paying in credit card interest? Do You Qualify For a College Student Credit Card? Credit card companies are looking for loyal customers and have started marketing to high school and college students. What Do You Do When You Finally Pay Off Your Credit Card Debt? After you pay off credit card debt, you may want to consider putting all of your credit cards in the blender and turning them into mulch. The weight of the credit card debt is finally off of your shoulders and you don't want to go through it again. Negative Credit Can Affect Your Job Search Many employers run credit checks before hiring new employees. How Do You Establish A Credit History? Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do? Fair Debt Collection Practices Act And You If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." Ever Have A Problem With Your Credit Card Company? What do you do if your credit card bill is incorrect? How To Use The Fair Credit Billing Act (FCBA) To Your Advantage Have you ever been billed for merchandise you returned or never received? How To Get Your Articles Seen By More People Article marketing is a great way to get links back to your site. Should You Get A Gold Or Platinum Credit Card? What are the benefits of having a gold or platinum credit card? What Is The Truth About Advance-Fee Loan Scams? Does it sound too good to be true? It probably is. Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay How important is your credit score? It can determine your credit card interest rate, insurance costs, and even your mortgage loan rate. What Is The Credit Repair Organizations Act? Do you know what your credit rights are? Prepping To Buy Property In Thailand How do you get ready to purchase property in a foreign country? What Is The Truth about Credit Repair? Got bad credit? Want to get it repaired? Can you handle the truth? Ever Receive A Credit Card In The Mail? If you receive a credit card in the mail, what do you do with it? Choosing And Using Credit Cards What are all the terms in all of those pre-approved credit card offers I keep receiving? Credit Card Questions And Answers When choosing a credit card you should ask yourself some questions. Choosing Your Credit Card Based On APR The first step in choosing a credit card is thinking about how you will use it. What Do You Do If Your Identity's Been Stolen? Do you have any unusual charges on your monthly credit card statement? Someone may be posing as you. How Do You Know If Your Identity Has Been Stolen? What do you do if someone has stolen your identity? How do you get your life back? Credit Repair: Don't Get Scammed Can you really repair bad credit? Yes, but it will take time and persistence. No matter what you see or hear, there is no quick fix. Debt Relief Promises May Really Be Offering Bankruptcy Can I really repair my credit? You can, if you have patience and persistence and watch out for the scam artists. Should You File For Bankruptcy? One of the toughest decisions you will ever make in your life is deciding whether or not to file for bankruptcy. How To Improve Your Credit Report Getting your credit score higher is the key to better rates. Credit Card Reports Questions And Answers If you plan to get a credit card or if you already have a credit card, you need to know the law. Check That Pre-Approved Credit Card Offer Chances are you've received "pre-approved" credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. How To Avoid Credit And Charge Card Fraud A thief goes through trash to find discarded receipts or carbons, and then uses your account numbers illegally. How To Choose and Use Credit Cards Chances are you've gotten your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop around to get the best deal. Do You Know What To Do If Your Identity Is Stolen? It is something that every consumer fears. Identity theft can happen to anyone and you need to know what to do if it does happen. What Is Identity Theft And Can It Happen To You? Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. Protecting Yourself From Counterfeit Check Scam Artists Every day, millions of emails are sent to unsuspecting people telling them that they won the lottery or a great prize. Is The Government Doing Anything To Protect You From Identity Theft? Identity theft costs consumers billions of dollars every year. You need to do your part to protect yourself and the government needs to do its part too. How Do You Dispute An Error On Your Credit Card? Have you ever ordered something and gotten billed for it but didn’t receive the merchandise? What do you do next? Can You Really Retire in Thailand On $500 Per Month? Retiring in Thailand is something I have been planning for ever since I can remember. From my first visit to Bangkok in 1973, to my last trip to Khon Kaen 3 months ago, I constantly think and plan for my retirement in the Land of Smiles. Planning For My Retirement It is never too early to plan for one's retirement. I am about two years away from and here is my strategy. Can a Foreigner Own Property in Thailand? The best answer I can give is “it depends”. Thai land laws are a bit confusing and you should consult and English speaking lawyer in Thailand before any property transactions. Affiliate Marketing Can Make You Money Sorry. There are no claims to making millions and millions of dollars using affiliate marketing here. No fancy eBooks, sales pages, pitches, or wild claims of rags to riches. Just a common sense approach to making some money as an affiliate. Top Ten Reasons Your Articles Are Declined Article marketing is one of the best ways to establish yourself as an expert in your field and also a great way to get links to your web site. To increase your chances of having your article published, here is my personal list of reasons your articles are not published. Comparing Credit Cards and Choosing the Card for You All across the United States, there are hundreds and hundreds of banks and credit card companies looking for your business. This day and age, banks and credit card companies are in competition with each other, trying all they can to get your business. To try and get your business, they offer different credit cards with various incentives, rebates, and other perks. What Can I Do To Improve My Credit Score? Credit scoring systems are complex and vary among creditors or insurance companies and for different types of credit or insurance. If one factor changes, your score may change — but improvement generally depends on how that factor relates to others the system considers. Only the business using the scoring knows what might improve your score under the particular model they use to evaluate your application. Credit Insurance: Is It Right for You? The next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Should you get credit insurance or can you live with it? Only you can answer that question. Divorce and Credit–Are You Liable? Getting a divorce can be painful for both parties and can be even more painful if you have joint credit cards. What Do You Do If Your Credit or Debit Card is Lost or Stolen? Many people find it easy and convenient to use credit cards and ATM or debit cards. The Electronic Fund Transfer Act (EFTA) and the Fair Credit Billing Act (FCBA) offer procedures for you to use if your cards are lost or stolen. The Real Steal - Credit Card Loss Protection Offers If you lose your credit card or have it stolen – how much money are you responsible for? Know how much you are liable for and avoid the scam artists. Don’t be fooled by high pressure phone calls offering worthless protection. Your Debts and Debt Collectors You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a “debt collector.” A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors. Your Credit Billing and Electronic Fund Transfer Statements With the increased use of credit cards, electronic banking, and internet buying, checking your bills is of the utmost importance. Identity theft is rampant and checking your accounts regularly is your best defense against losing your good credit. Your Credit and Your Rights A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Equal Credit Opportunity – What Can Creditors Do? Credit is used by millions of consumers to finance an education or a house, remodel a home, or get a small business loan. Creditors have rules to follow – so make sure you know the rules and ensure that they are followed. Applying for Credit – A Regular Catch-22 We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Can I Receive Federal Benefits If I Retire In Thailand? You want to retire in Thailand but are worried that you cannot collect your Social Security benefits if you retire in a foreign country. Well, worry no more. Dealing with Debt – There Are Solutions Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? Annuities for Retirees: What to Consider Before You Invest Investments called annuities are similar to traditional Individual Retirement Accounts and employer-sponsored 401(k) plans in that your money can grow tax-deferred until you withdraw it from your account. However, annuities are complex products and are not appropriate for everyone near or in retirement. Retirement Planning and Your Finances As you near your sunset years, it is time to inventory your financial resources and see exactly where you stand. Do you have a lot of equity in your home but little cash in the bank? What kind of mortgage do you have? Have you taken a look at your insurance policy to see if it is current? Here are a few things to think about as you get ready to retire. Helping Your Money Last... After Your Last Paycheck Can you see the light at the end of the work tunnel? Is it time for you to start planning for your retirement? Here are some financial considerations: How Should You Prepare For Retirement? If you are nearing the age of 65, it is time to starting planning for what you will be doing when you retire. Planning is the key to success and receiving all the benefits you are entitled to. Do your homework and you will have a wonderful retirement.

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