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How to Talk to a Bill Collector and Negotiate Payments

Advice on how to set up payment arrangments with a bill collector and collection agencies. Down to earth help from a retired bill collector.

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Developing a Budget

Living within your means.

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Repairing Credit and Gaining Credit

I will reveal a few tips on repairing bad credit ratings and gaining a good credit file.

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Making Payments Without Money

I do not know about you, but for a while there I had far more month than money. Now, I am one of few in the USA that is debt free. So what happens, Congress passes a massive tax bill “Cap Carbon” so their cronies can get rich with alternative fuels. Who pays for that cost of live increase? You and I do.

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Whatever Happened to the American Way?

Well, with the Bank Industry giving us all a false sense of security, we have all lost the American Dream. Will it lead us to lose the American Way?

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Credit Card Consolidation 101

The basic steps to take to consolidate all your credit card bills.

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Bank Fees AKA How to Rob You Blind

Banks make it easy for you to get cash against your credit card by allowing you to withdraw it form ATM’s or by sending you convenience checks in the mail. Fees are usually two to four percent for cash in advance. Cash points are generally several points higher than purchase prices and began accruing as soon as you get the money.