Personal Finance Advice and Commentary

Monday, December 02, 2013 12:31 pm
By Jennie L. Phipps · Bankrate.com

Paper records are a thing of the past. Time to embrace online record keeping.

Wednesday, July 24, 2013 5:52 pm
By Marcie Geffner · Bankrate.com

Credit counseling organizations says a budget creates freedom to spend money on real priorities.

Thursday, January 10, 2013 6:05 am
By Marcie Geffner · Bankrate.com

Consumers admit financial woes were self-inflicted. Credit counseling service offers 12-step action plan for recovery.

Monday, May 14, 2012 6:00 am
By Marcie Geffner · Bankrate.com

The NFCC compiled 10 questions to reveal whether your personal finances are OK or need an overhaul.

Wednesday, October 27, 2010 10:02 am
By Lucy Lazarony · Bankrate.com

Say so long to hefty advance fees for debt┬árelief help. Beginning on Oct. 27, 2010, all for-profit companies that sell debt relief services over the telephone may no longer charge a fee before they settle or reduce a customer’s credit card debt or other unsecured debt. This new rule comes courtesy of amendments to the

Monday, September 27, 2010 4:50 pm
By Leslie McFadden · Bankrate.com

Starting today, for-profit firms that sell debt relief services to consumers over the phone, such as credit counseling, debt settlement or debt negotiation, must comply with new provisions in the Telemarketing Sales Rule, or TSR. Three amendments to the TSR taking effect Sept. 27, 2010, will: Require debt relief companies to make specific disclosures to

Monday, August 02, 2010 9:38 am
By Leslie McFadden · Bankrate.com

Debt settlement and other for-profit “debt relief” firms that sell their services over the phone will soon be barred from charging a fee before they settle or reduce a customer’s credit card debt or other unsecured debt. The Federal Trade Commission last week issued amendments to the Telemarketing Sales Rule that go into effect later

Thursday, May 27, 2010 3:20 pm
By Leslie McFadden · Bankrate.com

Yesterday, the Consumer Credit Counseling Service of Greater Atlanta, which has renamed itself CredAbility, released a new quarterly index that measures the financial health of the average American over time. The index uses a 100-point scale where anything below 70 indicates financial distress. The methodology is proprietary, but CredAbility uses data from public and government