I frequently answer many questions from people who find themselves in debt and don’t know what to do.  Whether their debt is current and about to become delinquent or those with a judgment that is already entered, the options are the same.  Which one a debtor chooses...

There’s a lot of hype these days regarding knowing your score and identity fraud, like the catchy commercial to get your “free credit score” by signing up for a credit monitoring service.  Do your wallet a favor and don’t. Most of your credit is made up of  what types...

When you first get into trouble, document the reasons for your hardship and send your creditor a certified letter.  Make sure that you send it to the creditor's correspondence address!   It may or may not be the same as the payment address.  The only way to know is...