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Loans & bills
Car title loans: the cost and the risk to your car
How car title loan costs typically work, why the car itself is on the line, and what the FTC recommends checking before taking one out.
Money decisions, made clearer.
Loans & bills
Organize different types of debt and know which details to verify.
Loans & bills articles
55 articlesLoans & bills
Owing the IRS: fitting a payment plan into your budget
How an IRS installment agreement generally works, why interest and penalties keep accruing, and how to fit the monthly payment into your budget.
Loans & bills
Using home equity to pay cards: what you put at risk
The real tradeoff in using home equity to pay off credit cards: a lower rate against turning unsecured debt into debt secured by your home.
Loans & bills
Co-signed a loan? How it belongs in your own plan
Why a co-signed loan counts as your own liability, how it can affect your debt-to-income ratio, and how to monitor it and ask about release.
Loans & bills
What happens to debt when someone dies
What happens to a person's debt after they die, who the estate pays first, and when a survivor might actually owe money.
Loans & bills
A debt collector called: what to do first
What to do the first time a debt collector calls or writes, including what information to ask for before you confirm anything.
Loans & bills
How to ask a collector to validate a debt
How to write a debt validation request, what a collector must send back, and what happens to collection activity while you wait.
Loans & bills
Old debts and time limits: check before you pay
How time limits on old debts generally work, why paying can restart the clock in some states, and how to check where a debt stands.
Loans & bills
Wage garnishment: how it works and what is protected
How wage garnishment generally works, which benefits are typically protected from it, and what to do if you're served with a lawsuit.
Loans & bills
Negotiating a settlement with a debt collector
How to figure out what you can actually afford to offer a collector, get any deal in writing, and what a settlement can mean at tax time.
Loans & bills
Chapter 7 vs. Chapter 13 bankruptcy: a plain overview
The basic difference between Chapter 7 and Chapter 13 bankruptcy, the counseling requirement both share, and why an attorney matters.
Loans & bills
How to choose a credit counseling agency
What a nonprofit credit counselor actually does, questions to ask before signing up, and how to check that an agency is legitimate.
Loans & bills
Debt relief red flags: fees before results and big promises
The warning signs the CFPB lists for debt relief companies, including upfront fees, guarantees, and advice to stop paying creditors.
Loans & bills
Forgiven debt and taxes: the 1099-C surprise
Why the IRS treats some forgiven debt as taxable income, what a 1099-C form means, and when to bring it to a tax professional.
Loans & bills
Mortgage forbearance: what it pauses and what it does not
What mortgage forbearance actually changes, why it is not forgiveness, and the repayment options a servicer typically offers afterward.
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