While the national leaders Americans elected shoot spitballs at each other, you’ve got bills to pay. If your income has been slashed, we hope temporarily, by the government shutdown, you need a plan to keep your head above water. Here it is.
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If you see a place that looks like this, think of it as staffed by people with a highly contagious, always lethal disease.
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Short of cash to make all of your minimum monthly credit card payments? Don’t panic. Here’s how to do the best you can with what you have.
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If you have a debt in collections, life can get ugly. The last person from whom you want to take advice about how to resolve the debt is a debt collector. Instead, form your own plan based on your situation and aggressively attack the debt.
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Let’s say you’ve been laid off or suffered other bad luck, and you can no longer afford to make both payments on your two cars. Would turning over a car to its lienholder and walking away solve your problem?
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You may know that filing bankruptcy will crush your credit for about a decade. But if you’re considering bankruptcy, do you know that the timing of filing can make or break your plan for a fresh financial start?
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Will the boom in subprime auto lending turn into another economic meltdown?
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You know payday lending is designed to entice you into very costly borrowing. So-called “installment loans” are just as nasty and can suck money out of your pocket faster than a $10 minimum blackjack game.
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The debt collector’s ultimate weapon is a lawsuit. But not all debtors are “suit-worthy.” If you’re past due on a debt, how can you judge the likelihood that a collection agency will follow through a threat to sue you?
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You have the right to force that nasty debt collector to stop contacting you. But doing so might have even nastier consequences.
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