Credit Cards Plus

Your debit and credit cards get a workout at this time of year. Plastic may be more practical than cash when it comes to shopping for holiday gifts but swiping the magnetic strip at the mall, supermarket and post office or using cards at online retailers puts you at risk for scams.

“Scammers don’t take the holidays off,” notes Nicole Vincent, consumer education specialist for the Federal Trade Commission.

Keep the season merry and bright by steering clear of these five popular holiday scams:

1. Popular present scams: Remember the Tickle Me Elmo frenzy? So do scammers.

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The holidays are a great time to think about giving back. Many nonprofits are struggling to stay afloat in these tough economic times, and extra help from volunteers is always appreciated. Whether you’re serving food in a soup kitchen or walking dogs at an animal shelter, there are tons of ways to get involved. Since NerdWallet is all about smart financial choices, we wanted to highlight some of the ways you can volunteer to promote financial literacy.

Filing taxes and counting coins may not sound like the most exciting ways to spend your time, but you’d be surprised at how fulfilling these tasks can be when you’re helping someone else! If yo

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Credit Cards After Bankruptcy – Rebuilding Credit Rating

Getting a credit card after bankruptcy is not an easy task however Cheap-credit-cards.org makes the task less odious and it is a great place to shop for a new credit card. ()

There are companies that prey on the recently bankrupt and charge outrageous fees and interest rates for you to have the privilege of carrying a credit card. There are companies that can charge as high ass $350 in fees to give you a credit card with a $500 credit line.

High rates are a concern, but the bigger concern is your ability to manage credit. I

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As of this month, lenders have an even wider window into your successes and failures in managing your finances.

A company called CoreLogic has developed a new credit file that contains loads of data that some of the traditional credit bureaus don’t record on more than 100 million people in the U.S.

That information can include whether you pay your rent or child support on time, whether you’ve applied for a payday loan or been evicted or even whether you’re behind on your homeowners’ association fees. Now, if

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Personal Bankruptcy Laws

A set of uniform laws have been passed by Congress in order to govern how bankruptcy is dealt with. In these bankruptcy laws, or the bankruptcy code, there are ways  protect the the debtor from being harassed while they are trying to pay off their loans.

The different methods that can be used are set out in certain chapters of the bankruptcy code. These bankruptcy chapters such as chapter 11, chapter 9, and chapter 13 are recognized by the judicial courts to be bankruptcy laws that each state must work with.

While the main body of these bankruptcy laws can’t be changed there are various amendments that can be done. The

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