If you received a tax refund this year please do not spend the money.  The first and best option is to save the money for a rainy day.  Most financial advisers recommend saving at least six months worth of ne...

Credit cards, personal loans, and any form of unsecured credit is pure evil.  The average American consumer does not need credit cards or ready access to unsecured credit.  Credit cards peddled at college cam...

In an effort to educate consumers the FTC (Federal Trade Commission) launched a campaign today debunking the silly and false advertising associated with the television ads for FreeCreditReport.com.  The only ...

Often times this question simply boils down to cash flow.   If one has enough net income every month to pay for their living expenses and there’s a little left over for one’s creditors then bankru...

Almost every other day I see those goofy commercials on TV for your free credit report.  You know, the ones where some guy in a pirate hat is singing and playing his guitar.  Quite amusing to say the least bu...

After 33 months of being in Provanta’s Debt Settlement Program, one of clients is finally able to be free of his credit card debt. Our client’s original estimated program term was 29 months.  Howev...

On September 30th data released by S&P for the S&P/Case-Shiller Home Price Indices showed continued decline in home prices among almost all major US cities measured by the indices.   Las Vegas has cont...

Yes, it’s October 1st and yes, I did say “Christmas”.  I am ordinarily one of the first to complain about how Christmas decorations seem to promulgate retail establishments sooner-and-sooner...

A great article was published via Yahoo! Finance on Monday titled “Five Signs That You Are Living Beyond Your Means”.  This article stresses several key factors that many struggling with debt are a...

Does that line sound familiar?  Of course not.  Kids grow up saying things like they want to be a doctor, an astronaut, or a zoo keeper.   No one grows up saying they want to be in debt one day, so why is...