Debt Settlement Services Create New Debt
Debt settlement service fees and increased taxes on forgiven debt are new debts that result from a settlement plan.
Is Debt Settlement an Option?
The idea behind debt settlement is to put off your payments while incurring the damages to your credit, and to save cash in the meantime.
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.
Reverse Mortgage Loans: Identifying Scams and Shortcuts
This could be right for you, but you'd better be sure. Get the right information from trusted sources or risk losing your home to scammers.
How to Repair Your Credit Through a Credit Card Negotiation
A simple guide to a card negotiation.
Get Out of Debt Books
Sometimes just a few minutes of reading can empower you to take control of your finances.
Top 5 Tips For Paying Off Credit Card Debt
Some credit card companies offer interest rates as low as 0% for a limited time -- usually six months.
How to settle a charge-off
It is something that could hurt your credit for seven years.
Credit card debt negotiation
Be prepared to make a lot of phone calls.
Free Debt Consolidation Programs May Still Cost You
Debt consolidation programs offered by non-profit organizations can make repaying debt quicker and easier, and often offer free services, yet it may end up costing you.

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Kenneth Long


Kenneth-Long.jpgKenneth Long is President of Debtors Unite, Inc. as well as President and Vice Chairman for Vision Credit Education, Inc. He serves as a regional coordinator for the North Carolina Saves campaign. Long is also a co-founder of the Wake EITC Coalition.

Long is a graduate of the University of North Carolina at Chapel Hill with a B.A. in Industrial Relations. He subsequently received his Certificate in Nonprofit Management from Duke University. His Certificate in Financial Planning was issued by Florida State University.

Long has achieved the Accredited Credit Counselor and Accredited Financial Counselor certifications through the Association for Financial Counseling, Planning and Education. Long originally achieved the Certified Credit Counselor designation through the National Institute for Financial Education. Long is also a Certified Housing Counselor with training received through The Association for Housing Counseling.

In addition to years of nonprofit leadership, Long has been an innovator in the field of volunteer tax return preparation programs. He assists volunteer associations and nonprofit organizations who seek to integrate credit counseling and asset-building programs with free personal income tax preparation. His approach to using free credit reports as both an incentive and a screening tool for placement into asset-building programs has been shared with members of the National Community Tax Coalition, the EITC-Carolinas Initiative of MDC, Inc. and nonprofit groups across the Carolinas.

Long assists members of our armed forces with financial readiness, including NC, SC, IA, RI National Guard units. Please support our Soldiers, Marines, Airmen and Sailors!

"The democracy will cease to exist when you take away from those who are willing to work and give to those who would not."
Thomas Jefferson