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What is a College Degree Worth to a 45 year old Woman? »

A college degree may not be worth the cost of obtaining it for some students. College Recruiters selling the value of education aren’t telling the whole story. Despite decades of lip-service to affirmative action, earnings of college educated women remain a discouraging 61% of those of their male counterparts’.
The reasons are complex, but [...]

Are you addicted to debt? »

American Personal Savings Rates

It’s no secret that we love to spend. Our personal savings rates have dropped into the negative range meaning that we are spending money faster than we can save it.
At the same time, the amount of consumer debt has increased dramatically over the last 50 years.
Just look closely at [...]

Can A Creditor Garnish My Paycheck? »

Well, yes and no. Yes, a creditor can garnish, but no, they can’t just start garnishing without going through a series of steps first. The first thing that has to happen is the creditor has to file a lawsuit. (There are two exceptions to this first step–the IRS [...]

NC Attorney General Among Those Settling With J.K. Harris »

If you Google “J.K. Harris”, the website for the tax debt firm is followed closely by websites filled with consumer complaints with the company. As reported in the Associated Press article: 18 state Attorney Generals settled with SC tax debt firm numerous state Attorney Generals settled with J.K. Harris with [...]

How Can I Manage My Debts? »

When you feel completely overwhelmed and bankruptcy is not an option in your personal situation, the first step is to take a moment and a step back–look at what you owe and what money you have coming into your household.   Realize that sometimes creditors will work with you in order to avoid their debt being [...]