I got a call from Charles Dickey debt collection agency a few days back and then again yesterday 5 times. I know very well that they have been banned by the FTC. What should be my next step? They keep calling me.

Checking and savings account - What is the difference? Do I need to have both?

How much does it cost to file bankruptcy?

Presidential election is in November. Whom do you plan to vote? Who, do you think, can solve the student loan debt problem in a better way?

Can I avoid wage garnishment by enrolling in a debt settlement program?

I have heard about P2P lending. Is it better than payday loans or it’s just another name of payday loan. Do they charge high interest rate same as payday loans?

What’s the worst can happen if i file Chapter 7 bankruptcy without consulting an attorney?

I have been contacted by a collection agency about a debt. But, I have found out that it has been banned. What should I do now?

Can you make bi-weekly payments in debt management program?

My wife already has about $190 in debt. She is planning to pursue a higher education, which will help her to earn more. However, that will mean adding up another $45K in debt. We are planning to combine our finances as we will get married soon. My question is, if my wife opts for income based repayment plan, will that be calculated based on our joint income or they will consider just her income?