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Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Debt collection agency rules - There are important facts you need to know before you contact; or are contacted by, debt collection agencies.

Credit counseling - Learn about credit counseling and how to choose a good company.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Government debt consolidation loans - Truth about government loans to pay bills.

Free debt settlement - Do It Yourself debt settlement to negotiate lower bills.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Reduce bills free - Tips on how to reduce your expenses to lower bills.

Reminders to pay bills - Free reminders so you pay bills on time.

Repay payday loan - Strategy to repay a payday loan.

Track expenses - Free software to track where you spend your money most.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.


View our sample letters such as a Debt Verification Letter to challenge a debt and a collection agency's right to collect.


What Is A Debt Management Plan

Legitimate Debt Relief, Consolidation and Settlement

Pay Credit Card Bills for Rewards

Get Out of Debt Free and Fast

Credit Card Debt Relief Options

Getting out of Joint Credit Card Debt

Go To Jail For Not Paying Bill

Lower Credit Card Balances

Who Pays Joint Spouse Debt

Credit Counseling VS Debt Settlement VS Bankruptcy Filing

Free Debt Advice

Free Tips to Avoid Credit Card Charges

Free Money Saving Tips

Student Credit Card Debt

Instant Emergency Loan Application and Preparation

Stop Bill Collector Calls and Threats

Get Out of Payday Loan Debt

Cant Make Credit Card Payments

Credit Card Debt Relief

High Rate Credit Card Debt

Credit Card Debt Default

Budgets, Debt Management, Consolidation, Settlement, Counseling and Bankruptcy

Credit Card Debt Advice

Credit Card Christmas Debt

Payoff Credit Card Debt

Debt Loan Advice

College Student Credit Card Debt

Stop Credit Card Debt

Stop Debt Save Money

Debt Free Money

How To Reduce Debt

Biggest Debt Mistakes

Short and Long Term Debt Relief

Debt Relief Tips

Credit Card Max Lowers Score

Free Debt Relief Advice

Money To Payoff Debt

Calculate Debt And Payoff

Stop Credit Card Debt Abuse

Debt Solutions

Credit Card Balance Transfer Debt

Manage Debt Yourself

Long Term Plan to Pay Off Bills

Payoff Debts Without Loans

$10000 Loan for Credit Card Bills

High Credit Card Charges

Unpaid Credit Card Debt

Credit Card Charge Off

Fraud and Credit Scams Target Debt People

Bankruptcy Debt

Payoff Credit Card Debt

$10000 Cash Personal Expenses

Good Bills VS Bad Debt

10 Personal Budget Reasons

Bankruptcy Filing

Unknown Debt Collection Agency

Pay Off Debt Options

Divorce and Debts

Pre-Bankruptcy Credit Counseling Bad News

Debt Consolidation and Debt Settlement

Ending the Debt Cycle

Debt Settlement Facts

Zombie debt collectors

Payoff Balance

Reduce Bills

Debt Consolidation Loan

Credit Counselor

Credit Card Debt

Christmas Credit Card Bills

Chargeoff Credit Card

Balance Transfer Debt

Credit Counseling

Student Credit Card Debts

Credit Counseling FAQs

Collection Agencies

Free Debt Collection Agency Tips

Debt Collectors Violating Do Not Call List

Stop Debt Collection Agency Calls

Fake Phantom Debt Collectors

Debt Collector Verification

Statute of Limitations Debt Collection Act

Debt Collection Statute Of Limitation

Debt Collectors

Letter to Stop Credit Collector Calls

Collection Agency Harassment

Debt Settlement

Credit Card Debt Settlement

Debt Settlement Advice

Credit Card Debt Relief Options

Chargeoff Credit Card Debt and Rebuild Credit Score

Do It Yourself Free Debt Settlement or Use a Debt Negotiation Company

Debt Collection Agency Negotiation

Debt Settlement Company FAQ

Debt Settlement

Sample Debt Settlement and Negotiation Letter

Debt Consolidation

Credit Card Debt Relief Options

Debts And Bills

What Is Unsecured Debt Consolidation

Are Authorized Users Liable for Credit Card Debt

Being Sued by a Debt Collection Agency

Biggest Waste of Money

Can't Pay Back Payday Loan

Combine All Credit Cards into One Payment

Consolidating Credit Card Debt into a Personal Loan

Consolidating Student Loans After Marriage

Credit Counseling VS Debt Consolidation

Debt Consolidation VS Bankruptcy

Debt Settlement FAQs

Debt Settlement VS Bankruptcy

Debt Settlement VS Credit Counseling

Do It Yourself Credit Card Debt Settlement

Eliminate Credit Card Interest Charges

Erase Credit Card Debt Legally

Free Money Management Tips

Harassing Robo Debt Collection Calls

How and When to Settle Credit Card Debt

How does Debt Management Affect Credit Score

How Does Debt Management Work

How to Budget Credit Card Payments

How to Control Credit Card Spending

How to Dispute a Debt

How to Dispute Collections

How to Handle Collection Calls for a Deceased Person's Debt

How to Organize Bills

Non-Homeowner Debt Consolidation

Should You Still Pay Credit Card Charge Offs

Tips for Paying Off Credit Cards Fast

What are the Main Causes of Debt

What Debt should I Payoff First

What Happens if I Default / Stop making Credit Card Payments

What Happens when You Ignore Debt Collectors / Collections

What is the Difference between Credit Freeze and Fraud Alert

What to look for when Choosing a Credit Counseling Company

Who Pays Credit Card Debt in Divorce

Who Pays Deceased Relative Credit Card Debt

Who Qualifies for a Debt Consolidation Loan



Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.

If you're bad at budgeting and uncomfortable with confrontations, you may be a good candidate for using a debt relief company to help with your bills.

Setting up a budget with an affordable payment arrangement; whether yourself or through a debt management company, is the path to getting back on your feet financially.

If you have multiple debts you are struggling to pay, this may be even more reason for you to get a debt relief company's assistance.

Just make sure the debt settlement company does not charge any upfront fees, and if you choose a credit counseling agency make certain it is non-profit.

But before you commit to a payment plan, it's important to have a complete understanding of what your household budget actually is and what you can truly afford. Be absolutely certain you can; and will, stick to an agreed amount.


Looking for a government debt consolidation loan? Learn facts about govt loans. The internet makes it easy to search for government grants and federal assistance.


Is there a government debt consolidation loan for individuals?

We are not aware of any government debt consolidation loan programs for individual, private citizens. Per our research, federal government resources recommend credit counseling for individuals who are unable to get debt under control on their own.



You don't need a government debt consolidation loan.

nonprofit credit counseling

Consumer credit counseling
(also called debt management):
Your debt is combined into one lower monthly payment to make it easier for you to meet your financial obligations.

unsecured credit settlement

Debt Settlement
(also called debt negotiation):
The principal balance of your debt is negotiated to reduce the balance owed and get you out of debt faster.



Apply now to see how credit counseling or debt settlement may benefit you.


Get a non-profit credit counseling or a free debt settlement quote online. Even non-home owners can enjoy unsecured debt consolidation and debt negotiation.

Learn who qualifies for a debt consolidation loan and review options to get out of debt.

Don't know which debt program is best for you? Compare credit counseling vs debt settlement to help you decide which one offers the best benefits for your situation.

Whether you choose a credit counseling agency or a debt settlement company, either program can only help you with unsecured debt. Find out what types of unsecured debt qualify.

There is no such thing as a non home owner debt consolidation loan. You may; however, use other alternatives to reduce payments or to get a loan to pay off debt.


There are government grant programs, unclaimed money, unclaimed property, SBA grants to start a business and private grant foundations for women, minorities and veterans. Research free with us and pay no fees. Absolutely no credit card required.


Visit our FREE Gov Grants page for access to govt. grants, federal assistance, unclaimed money and unclaimed property.


Credit Federal no fee links to free govt. grants, unclaimed money, unclaimed property, financial and government assistance. Research free to determine your eligibility for grants or govt. assistance.


Search for free grants for debt relief. Check for federal assistance programs and grants for low income people.


Need more information? Read our financial and credit articles related to government grant, and join our online financial newsletter.




When debts are charged off or rather written off by a creditor, the borrower may get a notice from the creditor when it is done. The charge off could be considered income and may need to be claimed on a tax return. If so, the debt is legally dead and taxes were paid on the income. Be aware that there is a statute of limitation in all states, it is important to know what it is before trying to arrange to pay off a debt. Collectors have a certain time period to collect on a debt. When a debt is older than the statute of limitations, make that clear to bill collectors.


Debts may not be on credit reports after seven years, if it has not been paid during that time. How an account has been reported can make a difference between ruining credit or having no affect on reports. The time a late payment can remain on reports has nothing to do with the statute of limitations. People can be sued for a debt even though it is not on a credit report, and the statue limitations is still in effect. Once the statue is out of date, the debt is not collectable. 


When people are not successful at getting out of debt by themselves, they often seek a credit counseling service. Debt settlement programs advertise they can help decrease debt up to fifty percent. This could be possible when accounts are closed and a payment plan is developed. Some people are able to get a debt settlement loan to pay the reduced payoff. Debts that are delinquent can cause a creditor to take legal action, and they may win a judgment. When this happens, part of a person's income could be garnished or property could be seized. When a huge amount of debt is owed, the chances of this happening can increase.


Just because there are a lot of debts, does not mean a person should automatically jump into filing bankruptcy. Sometimes people are so stressed they jump to this option. They may not want to risk garnishment of wages or seizure of their property. This is not a possibility without having court take place first. Bankruptcy is one choice that should be used when there are no other alternatives.

The creditor who settles for a lesser amount of money, may mail a 1099 tax form to the borrower, so it can reported as income on their tax return. Yet, if a person owed $50,000 and the creditor settled for $25,000 that may be worth getting a 1099.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - Copyright © 2006 All rights reserved.

Understanding the many aspects of grants should be the first step to any grant search.

Grant seeking is a complicated and long process. will help you turn things around. We will help you fully understand the process of grant making: from grant search to grant proposal writing up to the time you are ready to submit your grant application!

Find everything you need to know through this site and our affiliate sites. We assure you, after reading through all our informative sites, your grant search will become an easy, enjoyable and results-driven experience!

Before you are able to understand everything there is to know about grants, you must make yourself familiar with the various grant related terms. Understanding these will sure help make your grant searching easier.

1. 501c3 - A non-profit organization recognized as charity. Many grant making agencies require grant applicants to be 501c3s.

2. Application package - An electronic file that includes all forms needed for a specific grant application such as project narrative, budget, etc. It also contains information about the issuing agency, the opportunity, Catalog of Federal Domestic Assistance (CFDA) numbers, the opening and closing dates for the grants, and the agency’s point of contact. Every grant making agency has its own application package.

3. Budget - A quantitative plan of activities and programs expressed in terms of assets, liabilities, revenues, and expenses.

4. CFDA number - A unique number created in the Catalog of Federal Domestic Assistance (CFDA) database. It traces all domestically-funded Federal programs available to state and local governments.

5. Demonstration grant - A grant given to organizations or groups to help establish an innovative project or program to serve as a model. If it succeeds, others may replicate the project.

6. Designated fund - A restricted type of fund held by a community foundation where the usage of funds is strictly specified by the grant making agencies.

7. Disability Grant - A grant given to individuals with physical or mental disability who are no longer fit to work or gain employment.

8. Donation - A gift to a fund or cause, typically for charitable reasons.

9. DUNS number - A unique nine-character identification number provided by the commercial company, Dun & Bradstreet (D&B) for organizations applying for Federal grants.

10. Educational grant - A grant meant to fund educational institutions or non-profit organizations focused on: catching the interest of students and enhance their performances in Science, Mathematics, Technology and other related fields, improving the skills, knowledge and abilities of institution’s faculty members, encouraging local and national educational reforms, carrying out pilot programs or research in the areas of Science, Mathematics, or Technology Education in all levels, and developing instructional materials to generate network of information on services for education.

Getting a grant whether to support an individual or an organization’s need is always a long and difficult process. This starts from finding an appropriate grant making agency to writing the grant proposal up to submitting the final grant application. As always, searching for the fitting grant making agency takes most of the time in the whole grant making process. 

Here are some basic tips on how to save time finding the perfect grant maker match for you or your organization:

1. Check first potential grant making agencies in your locality. Most grant making agencies prefer to give grants to applicants within their geographic location. This is a common mistake of grant seekers. Instead of checking the available resources in their area first, they tend to go somewhere else making the grant search a longer process.
2. Check out the priorities and interests of your prospective grant making agency. This will help determine if they can support your project or not. You can save time and effort by sending proposals to only those who can potentially provide the funding you need.
3. Spend some time researching on your potential grant making agencies' past and current grant programs. From this, you can ascertain your chances of being awarded the free money.
4. In your research, find out also the nature of the population your grant making agency will be interested to support. Are they interested with the youth, elderly, Asian groups or only women groups? Having a clear idea on this will help you pin down possible grant making agencies interested for your cause.
5. Lastly, check out the specific purposes your grant making agency will make their free money available to. There are grant making agencies that support operating budget while there are those that primarily support building funds. Others give grant to support purchase of equipment while others provide seed money. Whatever their specific purpose is, knowing this helps eliminate grant making agencies that do not have your same purpose.

Chapter 13 Bankruptcy - Chapter 13 filing may be a method of bankruptcy for consumers who don't want to lose their assets and they want to retire as many debts as possible. This type of bankruptcy can have less pressure. Some debt balances can be partially discharged and the person agrees to a monthly payment to a trustee to be distributed to remaining creditors. Any bankruptcy is a mark against your credit record, yet Chapter 13 filings are often seen as a bit less serious than Chapter 7 bankruptcy. You would need to see specific bankruptcy information regarding your area of residence.


Chapter 13 bankruptcy can allow you to keep property like a mortgage or auto if you have income and not much debt. For Chapter 13 bankruptcy, the court approves a repayment plan that allows you to pay off a default during a period of three to five years, rather than loosing your property. It is often best if facing bankruptcy to contact a trained financial person to give advice and help with bankruptcy issues.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - ©2011 National Foundation for Credit Counseling

National Foundation for Credit Counseling: As the nation's largest financial counseling organization, the NFCC Member Agency Network includes over 800 community-based offices located in all 50 states and Puerto Rico. In 2010, 3.2 million consumers received financial counseling and education from NFCC Member Agencies in person, over the phone, or online. To locate an NFCC Member Agency in your area call 800-388-2227. Para ayuda en Español Ilama al 800-682-9832.

Founded in 1951, the National Foundation for Credit Counseling (NFCC), Inc., promotes the national agenda for financially responsible behavior, and builds capacity for its Members to deliver the highest-quality financial education and counseling services. The NFCC is the nation's largest and longest-serving national nonprofit credit counseling network, with nearly 100 Member Agencies and more than 800 offices in communities throughout the United States and Puerto Rico. In 2010, NFCC Members assisted 3.2 million consumers, helping many to drive down their debt and take control of their finances.

NFCC Members, often known as Consumer Credit Counseling Service (CCCS) or other names, can be identified by the NFCC member seal. This seal signifies high standards for agency accreditation, counselor certification, and policies that ensure free or low-cost confidential services. NFCC Member Agencies can be reached in person in communities nationwide, on the phone toll-free at (800) 388-2227, or online. The NFCC national office is located in Washington, DC.

Certified Consumer Credit Counselors - When you are in a financial crisis, be sure to choose a certified credit counselor with a professional background in money and credit management and the wise use of credit. To promote high standards, NFCC members require that all counselors pass a comprehensive counselor certification program administered by a third party.

It isn't always easy to talk about debts and finances. But keep in mind our Certified Consumer Credit Counselors are professionals who are here to help. They will work with you to tailor a confidential program with solutions that work best for you whether you select face-to-face, over the phone, or via Internet counseling.

Online Counseling - In order to meet the growing needs of our customers, you can also submit your financial information online for help from a Certified Consumer Credit Counselor.

All online conversations with our Member Agencies are confidential and secure through encrypted servers, meaning that communicating online to our Certified Consumer Credit Counselors is just as productive and comforting as talking to them face-to-face.

Members of the National Foundation for Credit Counseling are uniquely qualified nonprofit organizations dedicated to providing free and affordable services to consumers who need a financial lifeline to pull them out of debt. Some of our members offer free budget counseling and Debt Management Plan services, and all members who charge fees or request contributions offer these services at affordable costs to consumers.

The National Foundation for Credit Counseling (NFCC) is the most respected name in the credit counseling sector for one simple reason: for more than 50 years, our members have offered accurate information, honest advice, and fair repayment plans, all at little or no cost to the consumer.

How to get Your Signature Removed from a Cosigned Loan or Credit Card Debt?
Is there a program for Writing Off Debt Legally and having it forgiven, too?
Ways you can get debt help to handle hospital and doctor medical bills.
Compare Programs which Offer Debt Help for People on Benefits, such as Veterans, Seniors and Disabled Persons.
Read our Debt Management Company Red Flags to Avoid Companies which make extravagant promises and deliver little.
Is My Debt Too High? Individual and US Government Debt.
How to access and bid on government surplus equipment and seized personal propery for auction.
A legit bad credit report repair company follows all government regulations, has a steady rebuilding plan
Your local post office offering government loans and bank checking a0ccounts for poor and bad credit people.
Government Loans developed a shorter, simpler credit card agreement that spells out the terms for the consumer. Note that this is not a model form, and use is not mandatory. This simplified approach will help consumers better understand their credit card agreements.
Is My Debt Too High? Individual and US Government Debt.
Federal government debt relief company rules to protect consumer rights.
Yes, Walmart cashes student loan checks. Walmart Expands Check, Card Cashing Services - Walmart announced expanded check cashing and card cashing services at stores nationwide, including the ability to cash payroll and eligible government benefits cards to the penny.
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.

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