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Balance Transfer Credit Card

Balance Transfer Credit Card What exactly is “Balance Transfer” on a credit card? If that vacation went over-budget and your credit card company is charging 15% interest – you have an option. A balance-transfer credit card. That’s a credit card...

Psychology of Overspending

DEBTOR PSYCHOLOGY Good Lord,it’s actually a medical illness. Compulsive buying disorder (CBD), or oniomania (from Greek ὤνιος ṓnios “for sale” and μανία manía “insanity”[1]), is characterized by an obsession with shopping and buying...

Wage Garnishment

WAGE GARNISHMENT What will a collection company do to get the money they feel they are owed? More than half of U.S. states will allow a creditor with a judgement to take 25% of someone’s paycheck.  When a person is finally getting on their feet and able to start...
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