Credit counseling is required through a government-approved program before bankruptcy can be filed.

Why would you want to waste $300? I stand by my strategy. Fire on the highest interest debts first. If you would like to experiment with different payment strategies, check out this excellent calculator from Bankrate.com.

To answer that question, it is important to understand what a fictitious name and how it is used. Here is a simple definition of a fictitious name:

Whether you are looking for some free small business marketing tips and techniques, you can use right now,

One technique for reducing credit card debt suggested by financial planners is to freeze your cards in blocks of ice,

One of the biggest challenges for new investors to overcome when they first decide to start building wealth and putting money away for their future is a looming mountain of credit card debt built up over several years.