This site contains information on:

• Budgeting
• Bankruptcy
• Cash Crunch Tips
• Establishing Credit
• Obtaining Credit Reports
• Collection Agency Practices
• Consumer Credit Counseling Service

(map at bottom of this page)

Wondering if you could benefit from this information?

Take a moment to review these Danger Signs:

1. Using charge card because you're short on cash.
2. Charging items you might not buy if you were paying cash.
3. Charging inexpensive items.
4. Charging liquor or food items.
5. Shopping only at stores where you can "charge-it".
6. Reluctance to open the "bills" from creditors.
7. Charging more each month than you pay off.
8. Letting payments "slide" to the next paycheck.
9. Paying for last year's Christmas when the next one comes around.
10. Arguments with spouse about monthly bills.
11. Writing checks today on funds to be deposited tomorrow or the next day.
12. Skipping payments on one account to pay another.
13. Charging items on impulse without considering effect on monthly budget.
14. Not having a budget.
15. Assuming your income entitles you to a particular standard of living.
16. Applying for new credit cards to increase borrowing.
17. Telling yourself you have "a right to it" because of your income or because you "work so hard".
18. Receiving late and over limit credit card charges.
19. Renting furniture or appliances because you can't afford to buy them.
20. No savings account.

Back to the Top

If you are paying by the hour, we have provided one long (12 page) print page containing all the information at this site to minimize your on-line time. Also, you might consider utilizing a local Internet access provider that has unlimited on-line packages.