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Bankruptcy protects against wage garnishment

16 May, 2010

To Her Credit
Sally Herigstad is a certified public accountant and the author of “Help! I Can’t Pay My Bills: Surviving a Financial Crisis” (St. Martin’s Press, 2006).

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To Her Credit archive

Dear To Her Credit,
I need advice and I need it fast.

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10 credit card perks you didn’t know you had

16 May, 2010

10 CREDIT CARD PERKS
YOU DIDN’T KNOW YOU HAD
  1. First crack at concert tickets
  2. Rental car insurance coverage
  3. Guaranteed returns
  4. Cell phone replacement insurance
  5. Trip cancellation coverage
  6. Cash without an ATM
  7. Emergency travel insurance
  8. A low price on a car
  9. Price protection
  10. Roadside assistance

Think all that’s in the fine print of your credit card is trouble?

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Comparing desperate options: bankruptcy vs. debt negotiation

16 May, 2010

The Credit Guy
The Credit Guy, Todd Ossenfort, is a credit expert and answers readers’ questions about credit, counseling and debt issues.

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‘The Credit Guy’ archives

Dear Credit Guy,
I am self-employed and haven’t had work for over a year. I used up my entire savings trying to “ride this out,” and there is still no end in sight.

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Plastic love: How to protect your credit while online dating

16 May, 2010

Online dating services can be a terrific and efficient way to find love. However, due to the anonymous nature of the process, hazards abound. Your credit and other financial interests may be at risk if you don’t guard yourself from those falsely fishing for companionship.

Here’s how to protect more than just your heart when seeking a mate via the Internet.

A prevalent problem
Connecting with prospective matches electronically is a thrill, but hope and excitement can supersede sound judgment and fact checking.

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To preserve credit score, don’t leave credit cards unused

16 May, 2010

Credit Score Report
Jeremy M. Simon covers credit scoring and other issues as a staff reporter for CreditCards.com.

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‘Credit Score Report’ stories

Dear Credit Score Report,
I have four credit cards. One for work expenses, one for personal expenses, a specific store card and then one other.

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