Debt Management

There are many ways to keep debt down and your credit score up. In Credit & Debt Management, topics include credit reports, bankruptcy, how credit cards work and new technology.

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Have you ever wondered how courts find out about your expenses and income during bankruptcy proceedings? That's asset discovery in action.

By Laurie L. Dove

It's difficult, but not impossible. Ready to learn how you might secure a loan after a bankruptcy?

By Laurie L. Dove

It isn't easy, but contrary to popular belief, there are ways to have student loans forgiven through bankruptcy.

By Laurie L. Dove

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After one spouse declares bankruptcy, the other one could be left paying off the debts. Wait, really?

By Laurie L. Dove

Bankruptcy and debt collection have evolved quite a bit since the days of the Roman Empire. If you have mountains of debt, let's just say that you're glad you're alive now instead of then.

By Laurie L. Dove

Current hiring trends and practices can create catch-22 scenarios for those looking for work post-bankruptcy. Could your career be affected?

By Laurie L. Dove

If you're lucky, you'll never have to know about bankruptcy. But sometimes, even lucky people get dealt bad hands. If you're wondering whether to declare bankruptcy, here are 10 things you should know before doing the deed.

By Dave Roos

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Even though you're declaring bankruptcy, you sure hate to part with your family jewelry or that expensive, new telescope. Could you hide your assets, or is that considered fraud?

By Melanie Radzicki McManus

Declaring bankruptcy doesn't have to mean you must live under a bridge. Depending on the state you live in, you may get to keep your house, car and many other things.

By Melanie Radzicki McManus

After many Target customers had their credit card information stolen in fall 2013, the store chain offered them free credit card monitoring for a year. But does this service really help protect against identity theft?

By Dave Roos

Long popular in Europe, Latin America and other parts of the world, chip and PIN credit cards are now becoming the norm in the U. S. What took them so long to catch on in America and do they really lessen credit card fraud?

By Dave Roos

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Founded as an offshoot project of Occupy Wall Street, the Rolling Jubilee aims to buy distressed loans and pay off debt for consumers who will in turn hopefully give back to the organization and help others. But can it work?

By Dave Roos

You had to declare bankruptcy, and would now like to get a new credit card. Read here for some suggestions regarding how to get a credit card after bankruptcy.

By HowStuffWorks.com Contributors

If you find that you're falling behind in mortgage payments -- or if you're about to -- your best bet may be to negotiate a mortgage loan modification. This article explains how to negotiate a mortgage loan modification.

By HowStuffWorks.com Contributors

The word "mortgage" comes from an old French phrase meaning "death pledge" and the concept of amortization comes from the same etymological root. Contrary to popular belief, the latter phrase isn't scary -- in fact, it makes paying your mortgage easier.

By Dave Roos

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Anyone who has battled medical bills and insurance companies knows how frustrating they can be. But there are ways you can negotiate those medical bills down -- and keep your sanity.

By John Perritano

Up until 1833, failure to pay what you owed could and did land you in jail. Debtors' prisons forced offenders to pay not only their debts, but also their prison fees. But do debtors' prisons still exist today?

By Garth Sundem

How much of your money is yours and how much you pay to toward your debt has a lot to do with how your debt got there in the first place. There are various reasons people go into debt. Read on to find out the most common.

By Terri Briseno

If you find yourself unable to pay your bills, the bankruptcy process allows you to walk away. But what happens when you die? Do the banks and creditors you still owe money forgive your debt or do you bequeath your debt to your surviving family?

By Danielle Fisher

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Americans identify terrorism and government debt as the two most worrisome issues to American wellbeing. If Americans are so concerned about the government's debt, why aren't we worried about our own debt?

By Danielle Fisher

Imagine living life without any debt. Sound like a dream? It doesn't have to be. Whether you're a college student, or baby booming ready for retirement, living debt-free is possible.

By Terri Briseno

You're finally behind the wheel of your brand new car. You're on easy street now, no more catching the bus or train for you. But wait, there's one thing left -- managing the car loan.

By Tristin Hopper

With the cost of college resembling the price of a small house, the idea of paying off student loans can be a frightening one. But with careful planning, the debt can be fairly easy to manage.

By Thorin Klosowski

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Your neighbor just got a cute new car. If only you could too. But how would you pay for a new ride? By doing what most car buyers do -- apply for a car loan.

By Elizabeth Sprouse

Applying for student loans can seem like a daunting task when you're just getting started. But with a little bit of planning and patience, your efforts can really pay off.

By Colleen Cancio