11 tips for dealing with debt collections, collectors

Do you know your debt collection rights?

Once you've read through all the great info in this section, test what you've learned with this quiz. Or if you're feeling brave, go ahead and try it first. Good luck! 

Before bankruptcy, consider these things first

9 things you should know about balance transfers

Used wisely, balance transfers can help you draw down that lingering credit card debt. But the rules can be tricky. Here's what you must know.

9 things to know about debt consolidation

Debt consolidation programs can help you, but they can also hurt when done poorly or for the wrong reasons. Here's what you need to know.

0-percent balance transfer calculator

Figure the monthly payment needed to pay off the balance transfer before the interest-free period ends -- and the price if you can't quite make it .

8 steps for picking a credit counselor

Not all credit counseling agencies are the same. Consumers can take the following steps to search for ones that are reputable.

You only live once: When is it OK to splurge?

Your 401(k) is brimming, you never carry a card balance and have an emergency fund. When is it OK to blow the budget on a you-only-live-once moment?