3 Steps for Paring Down the Family Budget
When money is tight, you can give yourself additional breathing room by paring these extra costs from your family's budget.
Auto Repair Loans: Get Back on the Road Faster
Many people do not have the extra cash flow for a pricey automobile repair, so may turn to auto repair loans in order to keep the car running by paying small monthly payments instead of one large installment.
Annual Credit Report
A credit file disclosure also includes a record of everyone who has ever made an “inquiry” about you and received your consumer report, over a given period of time.
Applying for New Credit
Applying for an account can hurt you in the short term and help in the long term.
Required steps in the Chapter 7 bankruptcy process
Be prepared for a lot of paperwork and a lot of questions.
How to Raise my Credit Score
Increasing your credit scores by a few points might mean the difference between getting a loan or getting a better rate.
Lack of Recent Bank Revolving Information
Credit cards: If you don't use it, you might lose it!
Zero Percent Balance Transfer Credit Cards
These can save lots in interest, but only during the introductory period.
What is a Credit Union?
Ever wonder what a credit union is? Enlighten yourself now. 
Debit v. Credit Cards: Which is Best For Everyday Use?
Which form of plastic do you want to swipe?
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Top Stories

Money Maxims: The Gasoline Woes

Promise-making politicians have no say in gas prices, and neither do you, the average citizen.  Becoming less reliant on gasoline may be the only solution to high prices.

Money Maxims: The Prom

As a child, you should be grateful for your parents spending money for you.  As a parent, you'd better make sure this one night doesn't involve more than an entire month's salary.

Money Maxims: The Penny (or Once Again, Canada is Doing a Better Job)

Pre-1982 pennies are worth more than twice what they say they are.  Post-1982 pennies can kill small animals.

Latest Articles

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Ways to Have Student Loans Forgiven

Ways to Have Student Loans Forgiven

Going to college costs a lot these days, which often leaves graduates with tens of thousands of dollars of student loan debt. Fortunately, there are ways to have portions or, in some cases, all of this debt forgiven.
Avoiding Phone Bill Cramming

Avoiding Phone Bill Cramming

Businesses and individuals have been falling victim to phone bill cramming for years, but here are some steps you can take to avoid becoming the next victim.
Can you Get a Loan to Pay Rent and Security Deposit?

Can you Get a Loan to Pay Rent and Security Deposit?

You want to move but the landlord wants you to pay the first month's rent plus a security deposit. So what if you don't have that kind of money?
Don't Overspend When Renting a Car

Don't Overspend When Renting a Car

If you do not understand the industry terms and how the fees are calculated, this process can become very confusing and pricey.
Mortgage Rates Increasing Due to Improving Economy

Mortgage Rates Increasing Due to Improving Economy

Generally, a rule of thumb is that a growing economy leads to higher mortgage rates and a slowing economy leads to lower mortgage rates.
How to Spot Fake Credit Cards

How to Spot Fake Credit Cards

Many of the fake credit cards are difficult to discriminate from the real thing, but there are some signs to look for in a fake card.

Reader Contributions

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

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Bad spending habits that lead to debt

Bad spending habits that lead to debt

Are you among the ones with a reckless spending habit?
6 Things to remember before filing bankruptcy

6 Things to remember before filing bankruptcy

Here are a few things which you might like to know before deciding to opt for bankruptcy.
Lowering Credit Card Debt Begins with Recording your Expenses

Lowering Credit Card Debt Begins with Recording your Expenses

Stop taking on new debt to begin with.

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. If you don't find the answers that you need, feel free to ask a question. Take control of your debt before it controls you!

Debtors Unite is your credit and 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 provide tips on a number of personal finance issues. Perhaps you need assistance with payday loans or a personal loan. Are you facing a repossession? Do you need credit card debt help?

Much of the information found here can help with debt, credit, homeownership or even tax issues. While self help is our goal, we also have the backing of Accredited Financial Counselors that can help resolve some of the most difficult debt problems a family can face. We encourage you to visit often as our site is updated with new information on a daily basis. Welcome to Debtors Unite!

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