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Author Archives: Guest Post

Guest Post

Attorney Model Debt Settlement Employee Speaks Out On How It Really Works

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My name is [redacted], and I worked for a debt settlement company in California known as [redacted] in 2010 and 2011. I was hired as a sales consultant, but was later moved into the negotiations department after most of our sales force was laid off as a resulting slowdown in our business due to the after effects of new government ... Read More »

Is Suze Orman’s Prepaid Debit Card Right For You?

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The latest “big news” to hit the personal finance blogosphere is the release of Suze Orman’s Approved prepaid debit card. Suze Orman is one of the most well-known personal finance gurus out there, dispensing no-nonsense advice to millions. She has already been connected with products related to credit scoring, such as her FICO kit, and to best-selling books. Her latest ... Read More »

How to Reduce Your Electric Bill With Smart Interior Lighting

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When finances are tight, or if you simply choose to live frugally, there are ways to make your home decor choices an active part of your frugal lifestyle. The lighting choices you make can noticeably affect your monthly energy bills. Lighting is a vital part of any home decor. Obviously, the best money-saving tip involving lighting is to turn the ... Read More »

Setting Monetary Goals

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by Chantal King How to set and keep monetary goals “Stay committed to your decisions, but stay flexible in your approach.” ~ Tony Robbins I want you to make a list of your dreams. What do you really want? You might think this is pointless, yet it is an important step in getting your finances in order. Until you know ... Read More »

Simplee – Helping to Manage Your Health Insurance

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My husband and I are pretty healthy and our doctor visits had been limited to yearly check-ups and an out of the blue visit when a cold wasn’t going away. This year has been a bit different for us in terms of using our health insurance. Besides getting my check-up I also had to go to my OB/GYN appointments and ... Read More »

Marriage and Credit: Join Lives, not Accounts!

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Most people approach marriage and credit with a one-for-all, all-for-one attitude. They open joint credit cards, apply for car loans as a couple, and stop building separate credit histories. After all, they have joined their lives together; why not marry their credit histories? Though the sentiment is appealing, keeping some credit accounts separate has big advantages. Holding credit jointly puts ... Read More »

FTC Report on Debt Collection Complaints

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FTC Report on Debt Collection Complaints From DebtCollectionAnswers.com With the credit crunch in full swing, many consumers are receiving calls from debt collectors. While most collectors are just trying to do their jobs, some are so eager to get paid (often with a commission or bonus) that they will go to just about any length to collect past due consumer ... Read More »

One Time Is Too Many With Identity Theft

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One time is too many when identity theft is involved, and two times in a week a big flashing warning sign that something is seriously wrong. Last week my wife received a text message saying our cell phone bill was $1,000 this month! Of course that proceeded the panicked phone call that I received from her immediately afterwards. After spending ... Read More »

How You Can Find a Good Attorney or Lawyer

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This guest post was submitted by Kristin Crone, Esq. from UFAN (United Foreclosure Attorney Network.) She is a California based attorney so the links given are for California but every state has a Bar Association and a quick search for your state Bar will lead you to the appropriate resource for you. While the advice given is about a mortgage ... Read More »

Top 3 Cures for a Low Credit Score

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A low credit score is bad news, particularly if you are trying to renegotiate the terms of a loan, applying for a home loan, trying to land a job, or searching for an apartment. In today’s environment, you need a high credit score for a slew of reasons. So if you need to build your credit score, don’t worry. Here ... Read More »

Our Savings System as a Couple

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Our Short and Long Term Goals I’ve mentioned before that having a financial game plan as a couple is a big part of reaching your goals. It can help you two develop ways to communicate effectively and focus your energies on what matters to you. Like many other couples, we have several goals that we’re looking at achieving together. Some ... Read More »

DIY Debt Settlement – How to Handle Lawsuits

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If you or someone you know is going through a difficult debt situation and want to do something about it there are many options available to consider but it’s no secret that debts can be settled directly with creditors and with the overwhelming amount of information online, consumers are educating themselves on how to negotiate settlements on their credit cards. ... Read More »

Divorce Debts Not Paid

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Q: If a spouse is granted by a divorce judge to receive so much a month for debts that were supposedly not theirs, and we don’t pay or are late on them, does the spouse that’s trying to collect fall under the Fair Debt Collections Act? – Mark A: Mark, Unfortunately, it probably doesn’t offer you the help you are ... Read More »

Are You Hiding Money From Your Spouse?

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From time to time, I get feedback from Couple Money readers. It’s something that I enjoy and try to respond to. This weekend I received an email from M about a situation that he noticed at work. I thought it was an excellent question and I wanted to see what youthoughtabout it. Hiding Vacation Bonus Money at Work Here’s what ... Read More »

Can Credit Card Companies Put a Lien on My House for My Charge Offs?

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Q: Can credit card companies put a lien on my house for my charge offs? - Mitch A: We are guessing that you are asking this question because a creditor or debt collector has mentioned the possibility that it may try to get a lien against your home if you don’t pay a past due debt. But the fact is ... Read More »

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