Are you a do-it-yourselfer? If so, maybe you just need a little guidance or a starting place.
How to Avoid Scams
Some of these companies are ineffective or plagued with mistakes. Others are outright scams. See how you can
avoid scams and protect yourself.
How to Get Help with Bills
Are you doing everything you can to get by and still falling behind? Maybe you qualify for extra government and nonprofit assistance that can provide
bill help in the form of cash, bill credits or subsidizing the costs.
How to File Taxes
Income tax preparation can be costly and frustrating. It can also be completed at no charge if you know the ins and outs of avaiable free services. Find out
how to file taxes on your own for free or with free help from volunteers.
How to Lower Interest Rates
In many cases, you can reduce your borrowing costs. Maybe you need access to lower interest loan options. We can also show you
how to get lower interest rates for your current accounts.
How to Lower Payments
Making payments on multiple accounts can be a burden on any budget. Depending on your situation, you could have several options for reducing your monthly payments to a level you can afford. Find out
how you can lower your payments on many types of debt.
Sample Letters
Many requests are better made in writing. This allows you to clearly indicate what your request is, and to receive a response from a creditor in writing. You can write your own or you can begin with a
sample letter template and change it to fit your situation.
Settle Debt
Settling debt can carry many consequences, but for some people dealing with recent defaults, it might be a possible solution. Utilizing a debt settlement company is never a good idea. Instead see
how to settle debt on your own.