What can a collector legally do? Will settling hurt my credit? Is Chapter 7 right for me? Straight answers to the questions that keep people up at night, most written by attorney Loretta Kilday.
October 4, 2023 · By Loretta Kilday, Esq. · 6 min read
Navigate tax season with confidence. Discover essential tax tips, deductions, credits, and strategies to help retirees simplify tax filing.
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Latest articles
Debt relief & settlement · 10 min read
July 21, 2025 · By Loretta Kilday, Esq.
Student loan debt can feel overwhelming, but with the right strategy, you can pay it off faster than you think.
Read article: How to Pay Off $30K Student Loans Fast: 9 Proven StrategiesMoney & family · 12 min read
January 28, 2025 · By Loretta Kilday, Esq.
Learn how to fix financial infidelity, rebuild trust, and create financial stability with proven strategies for couples dealing with secret debt and money lies.
Read article: How to Fix Financial Infidelity & Rebuild Trust With Your PartnerBudgeting & saving · 15 min read
December 31, 2024 · By Loretta Kilday, Esq.
Learn how to enjoy holiday moments while staying financially smart. Practical tips for holiday budgeting, smart shopping, and avoiding debt during the festive season.
Read article: How to Enjoy Holiday Moments While Staying Financially SmartDebt relief & settlement · 12 min read
December 8, 2024 · By Loretta Kilday, Esq.
Learn what credit card debt forgiveness is, how it works, and what programs and strategies you can use to reduce or eliminate your credit card debt in 2025.
Read article: How to Qualify for Credit Card Debt Forgiveness in 2025Personal finance · 10 min read
November 29, 2024 · By Loretta Kilday, Esq.
As parents, the best gift we can give our kids is to know how to manage money properly. Learn practical steps to grow your kids' financial skills and build their future.
Read article: How Parents Can Empower Kids with Financial SkillsCredit & credit cards · 12 min read
October 16, 2024 · By Loretta Kilday, Esq.
Passbook loans are still relevant in 2024. Learn how they work, their benefits and drawbacks, when to use them, and if they're right for you.
Read article: What You Should Know About Passbook LoansBankruptcy · 12 min read
October 9, 2024 · By Loretta Kilday, Esq.
Learn how to protect your assets in Chapter 7 and Chapter 13 bankruptcy. Understand exemptions, legal strategies, and avoid fraud consequences.
Read article: What to Know About Protecting Assets in BankruptcyPersonal finance · 12 min read
October 4, 2024 · By Loretta Kilday, Esq.
Learn how to maximize your ABLE account benefits with 9 practical tips. Understand eligibility, contributions, tax benefits, and investment strategies for financial growth.
Read article: How to Maximize Your ABLE Account for Financial GrowthDebt relief & settlement · 12 min read
October 1, 2024 · By Loretta Kilday, Esq.
Medical bills are often negotiable. Learn proven strategies to negotiate with hospitals and insurance companies to reduce your medical expenses and financial burden.
Read article: How to Negotiate Medical Bills with Hospitals and Insurers
Who writes these guides
DebtCC spokesperson and legal counsel
Loretta is an attorney who works on bankruptcy and debt collection law. She wrote most of the articles on this page.
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Articles on this page are general information for education only. They are not legal, tax or financial advice. Check the date on each article, since laws and programs change.
