Debt Relief Companies

If the agency claims to greatly reduce or eliminate your debt through a tiny monthly payment, something's likely amiss.

Amount Owed on Revolving Accounts is Too High

The penalties for maxing out cards are severe.

How Does Payment History Affect Credit Scores?

Payment history on credit accounts is the single biggest factor that contributes to your credit scores. In fact, 35% of credit scoring inputs are based on your payment histories.

Live Large on a Small Salary: Budgeting Help in This Economy

You can achieve a fulfilling lifestyle by making cuts where it hurts less.

Pros and Cons of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is often the final resort for debtors that need relief.

Car Financing Options

The process of obtaining a car can be a long, difficult, and complex one. When deciding whether to lease or buy a car, the most important thing to keep in mind is what you can afford.

Unable to Pay Medical Bills

Are your finances on life support?

Lowering Credit Card Debt

Stop taking on new debt to begin with.

How to Lower Credit Card Payments

If the APR is cut in half, the payments on interest on the monthly basis will be cut in half also.

Applying for New Credit

Applying for an account can hurt you in the short term and help in the long term.

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Reader Contributions

These stories were contributed by our readers. Enjoy, but remember to maintain a healthy skepticism!

Food Finance: How to Use Credit Wisely on Everyday Purchases

Charging groceries can add 20% to your food bill.

Bad spending habits that lead to debt

Are you among the ones with a reckless spending habit?

When Should You Hire A Debt Settlement Lawyer?

Modern life is expensive and being a little careless with your financial routine can land you deep in debt.

Seek legal help to file for disability insurance

Injuries resulting from your employment can cause disabilities which might prevent you from resuming work.

Your Debt Help Community

Debtors Unite is a collaborative effort among financial counseling organizations to provide you with the tools, guidance and forums to improve your financial situation.

We find that banks and financial institutions put their own profit needs ahead of your needs, just as you put a higher priority on your own needs over theirs. To balance the odds, we find that there is power in sharing information.

Get the answers you need while providing feedback to others. Take control of your debt before it controls you!

Debtors Unite is your debt help community. Feel free to share your successes and failures as you eliminate debt and improve your finances. If you feel that a creditor or debt collector has given you a raw deal, share your experiences. You just might help someone else with their situation.

We encourage you to visit often as our site is updated with new information on a daily basis.