Know when to back away from the application form. 

There are waivers available to bypass the filing costs, but unless you are extremely low income, you are very unlikely to get one.

Has it been a year or two since you last modified your budget? Incremental Budgeting may be your solution.

Do you have skin in the game? Debt is more serious when you have something to lose.

For true Christian debt help, go to your church.

Unsecured debt is a loan that a lender provides a debtor without any fundamental assets or collateral.

Borrowing money when you cannot pay your bills is an invitation for financial disaster.

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.

Personal finance is who you are financially; it is your financial brand, and instinctively we would all rather have our financial identity be a designer brand than a generic brand.

There may be a lot of choices, but some programs are much better than others.