Debt collectors are like mosquitos. They can be annoying and they’re hard to dissuade. Fortunately, there isn’t a whole lot a debt collector can do besides call you and send you mail. The Fair Debt Collection Practices Act (FDCPA) spells out the actions that a debt collector may and may not undertake in the process of collecting a debt.

Debt can keep you up at night. Reducing debt is simple, but it can take a long time and it isn’t any fun. Once you realize you have a challenge, it’s often too late to solve the issue quickly and easily. But you can eliminate your debt, strengthen your finances, and become a stronger person in the process.

It’s never too early to start building credit. If your child is in college, now is the perfect time. Your child can land a dream job, have saved several thousand dollars, but still be unable to obtain a loan for a car or a house without a solid credit history.

There are many ways to help your child build credit. A few options cost a little money, at least in the short-term. Other options are free, but carry more risk. Regardless of your situation, there are things you can do to…

Credit card companies used to market aggressively to college students. Laws now prohibit this type of activity, but getting a credit card is important for college students. Sooner or later, you’ll want to purchase an automobile or home, and you’ll either have to use credit or save for a very long time.

When you’re newly married, you’ll probably face some new challenges and might not feel that you’re ready for these new responsibilities. A lot of young couples don’t anticipate how different managing their finances can be once they get married.

A heavy debt burden is like climbing a mountain with 100 pounds on your back. It never gets any easier unless you drop the weight. Fortunately, it’s possible to live a life without any debt! Eliminating debt and staying debt-free both require discipline and patience. But the freedom you receive is well worth the effort.

Many people handle money well at work, but horribly at home. There’s a different mindset when you’re expected to act like a professional. What if you handled your personal finances with the same professionalism a CFO takes care of business? Discipline and professionalism can add a lot to your personal financial future.

Obtaining a free credit report is easy. Reviewing your report will help you keep an eye on your credit score and protect your identity. Request your free report regularly to ensure all the information reported on it is accurate and to catch any signs of identity theft as early as possible.

Medical identity theft can destroy your credit and make your life difficult. It differs from other types of identity theft, and it isn’t easy to resolve.

Timeshares allow you to have limited use of a property without becoming a full owner. They’re an easy way to secure a vacation spot without buying an entire house or condominium. However, timeshare ownership may not be what it seems.