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How to use the free tax calculator:
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Paying bills at times can be troubling, especially when debts are spiraling out of control. Getting into debt seems to creep up and some become a major problem. To add to the stress, late notices and phone calls about not making payments are never ending.


Being in debt can become so bad that late accounts get turned over to debt collectors, then there is the added worry of wondering if a home or auto will be lost. People endure financial problems every day and debt problems can rise quickly due to personal mistakes, illness, not having a job, or overspending. No matter what the reason is, not being able to pay bills can seem overwhelming. Thousands of consumers have to deal with making a decision about how to find debt relief. 


As stressful as managing debts is, the important thing is to not let debts pile up and get worse before seeking some kind of guidance. There are options for learning how to budget, seeking credit counseling, debt consolidation or negotiation, or as a last resort to file bankruptcy. Finding what will work for your needs is most important.


Many times the decision made will depend on the amount debt, what effect the decision will have on the future, and how serious you will be about getting control of bills. Some people try the do-it-yourself plan and attempt to create a budget. This can be new for some people who never considered what their income is, or how they have been spending their money. This is why many people find themselves in debt. 


To try to manage debts that are late, consider contacting creditors and try to get them to change the payment schedule. This could help ease some of the financial burdens temporarily. It is best to try to work out arrangements early before late debts keep building along with any late fees. If debt collectors are contacting you, there are rules they must obey. They are not suppose to harass you or use unfair practices when trying to collect a debt. 


For auto or mortgage loans that are not being paid, there is the risk that lenders could repossess the auto or foreclose on the home. Unlike unsecured debts which are not linked an asset, secured debts are linked to some collateral. In the case of an auto, it could be repossessed even without notice, if it is in default. To get it back, may require that not only the balance on the loan is paid, but the fees for towing and storage costs may also need to be paid. Some people who have financial problems may decide to sell an auto and pay off the loan.


Mortgage payments that are late can sometimes be worked out with the lender. They may be willing to lower or suspend the payments for a while. Sometimes the terms may be able to be changed by extending the repayment period to reduce the monthly debt. Ask if there are any fees for any changes.


Many people are not able to get debt relief until they seek out a professional who can present to them some choices. When there does not appear to be an easy answer, professionals may be able to give some input. Doing nothing will only lead to more debt problems. Debt quotes are usually free, and it may provide some solutions. Be sure to review the website for any information before applying for a quote. The more you can learn about specific debt relief options, the easier it can be to make a decision.

I closed my credit card account, but the bank is still charging me interest and fees. Can they?

Yes, you may be responsible for certain interest charges and fees. Even though you paid off and closed your credit card account, it is possible that the bank may charge you residual interest for the days in the billing cycle before you paid the balance in full. Residual interest is interest that accrued, when you were not eligible for a grace period, from the first day of the billing cycle in which you paid the balance in full until the date that the bank credits your payment.

For example, you have been carrying a balance for three billing cycles. You receive your account statement reflecting a $1,000 balance. The minimum payment is $50 and it is due on the 25th of the month. You decide to pay the balance in full. The payment is credited on the 24th. Even though you paid off the $1,000 before the payment due date, your account agreement may allow the bank to charge you for the residual interest that accrued from the first day of the billing cycle until your payment was credited on the 24th day.

Not all banks charge customers residual interest and some banks waive such interest. You should review your account agreement for information on how finance charges are calculated on your account and/or contact your lender. Additionally, the bank generally should not charge you fees once you have closed your account unless the fees are because of something that occurred before you closed your account, such as a returned-check fee.

If you feel that the fees or interest were assessed in error, you should file a written billing error dispute within 60 days of the statement that showed the alleged error. The information on filing a written billing error dispute and the address to which the notice should be sent are listed on your periodic statement.

Before you Freeze Your Credit Report with Bureaus, Review these Pros and Cons.
Really free credit scores from credit card company.
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With Extra Payments, You Can Save Interest Money and Payoff Debt Faster. Use our Free Credit Card and Loan Extra Payment Calculator.
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Bank Free Credit Score - The Consumer Financial Protection Bureau (CFPB) is imploring banks to offer free credit scores to their members.
Getting your first credit card can be scary and nerve-wraking. Review first time credit card applications that help build credit
Before you splurge all that money, check out these smart way to spend your IRS tax refund.
Investing for First Time Beginners
The IRS has released the 2013 tax deductions and credits, taxable amounts and percentages. Using these figures you can caculate your total tax payment due and/or your refund for overpayment.
Finally ready to make your first time budget ever, or to create an actual working budget? Review these key points.
Keeping More of Your IRS Tax Money
IRS Audit of Tax Return
How first time credit applicants get approved for credit cards and loans.
Should I pay off my credit cards or my car loan first? Which option would save me the most money?
Credit Question: I cut-up and burned my credit cards, but I forgot to close the accounts first. How can I close a credit card account without the credit card number?

Credit Advice - Remember that; although a divorce decree states who will pay debts, creditors can still hold both spouses liable for repayment. Before your divorce, if you have the ability it may be best for you to payoff debts in full, then get the divorce judge to make your spouse repay you. That way you know there won't be delinquent or defaulted debts that can drag down your credit score, too. If your ex-spouse defaulted on debts that are being reported on your credit report, keep a certified copy of your divorce decree with you and present it to creditors whenever you apply for new credit.

Don't close old or unused accounts. Credit scores are based on several factors, including the length of credit history. The older your credit lines (credit card and loan accounts), the better your score will be. So keep idle accounts open to protect the age of your credit.

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