First, don't panic. You are not alone. Many people throughout America are having financial troubles due to the economy and have lost their jobs or have been forced to take lower paying jobs. Like anyone in trouble, whether it is your health, buying a car, or buying a house, collect the facts and get more than one opinion. Eventually, you will come to the right decision if you have sufficient information to work from. Keep in mind, that there a...

Credit card consolidation has little to no benefit to a Debtor in serious financial trouble.  Here are some things you need to know about credit card consolidation that companies performing these services will neglect to tell you or it may be hidden in the fine print of contracts.

First, the cost of these services can be extremely high compared to the attorney fees regulated by all federal bankruptcy courts.  Fees for consoli...