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.


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?

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?

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?

The average college student in the class of 2011 carried $26,600 in student loans, the highest student debt load on record. But there is a government program to make this burden more manageable, though it does have critics.

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.

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.

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.

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.

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?

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.

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?

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?

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.

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.

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.

It's tempting to borrow as much as you can to pay for college or grad school, but that’s not always the smartest path. What should you consider when taking on student debt?

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.

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.

When it comes to credit, a little discipline and diligence go a long way. You could call each of the three credit bureaus and compare their reports side by side, or you can order a 3-in-1 credit report and save some time.

For something so relatively easy to obtain, credit can easily cause a careless borrower lots of stress. Here are 10 simple ways to build credit -- and keep it.

It's a piece of advice you've probably heard: Don't pull your credit report too often, or you'll hurt your score. But what's a soul to do when you're shopping around for the best interest rates on a new house or car? How often can you look at your re

It lurches forward, seemingly unstoppable by the arsenal of data you've collected against it. You battled this foe years ago, but like the undead, it's come for you again and again -- this time in the form of letter from a collection agency. It's name? Zombie debt.

Dealing with debt collectors is becoming a common experience. But what can you do to avoid debt-collector harassment, short of switching off your phone service or allowing your unread mail to pile up on the kitchen counter?

Your finances are in the red, and you don't know where to turn. Agencies specializing in non-profit debt consolidation promise to help you out but you wonder if it's a scam.