Here are some of the changes that will be reflected under the news laws of bankruptcy: credit counseling program Before filing bankruptcy, it is necessary to go through a complete credit counseling program with any agency approved by the United States Trustee's office. This will determine whether bankruptcy is really required at your situation or an easy repayment plan can solve the problem. There might be some debts that you don't owe or have troubles in paying it.

I'm not sure if it's been put out there already but I just found out that Discover Card is not participating in any consolidation programs at this time. I was advised it would be 45-60 days before they would be considered again. Just for info!

Although I've had to get help for MY financial situation I wanted to share with everyone how my kids handle their finances. I'm hoping that having them manage their money in this fasion, they'll carry it into adulthood with them! Each of them have a lockbox with their own key. Inside they have envelopes labled "activity", "savings", "donation", "gifts", "me". They each have a calendar with their daily chores listed. Depending on their age and responsibilities they get a dollar amount each day that they complete them.

Can anyone tell me where I start w/getting a refund bcs I didn't auth the crg of $9.95.I don't even have a cking acct.I have a saving.

Has anyone ever had a payday loan help them? Everything I've read about them, it seems to put people more in debt. I'm in dire need to help carry me over right now. Am considering the payday loan. But reading everything I have, I'm having doubts. How does one get into the cycle of taking the payday loan and not being able to pay? I'm wanting to take out a small amount and having it payed off with my next check, in a week and a half. Would I be making a mistake here? Thanks for any insight! Kate

well i finally decided to try to get help. i did a search on my computer and found this forum and noticed that you guys give out helpful info. First of all i am really in debt at the age of only 25. I have 3 pay day loans out, all for $300, and about 4 credit card bills to pay. I am falling behind big time. I really need help. All of this is making me depressed. anyone with advice please help! Thanx -jEFF

I just have one or two questions. I am 68 years old living on fixed income. Can credit card companies take my house or put a lien on it? Shirleyjoy

I use competitor ads to shop at Wal-Mart Super Center for groceries. For example: This week the "Hart's" circular had a huge sale, bananas were 10 cents a pound. I went to Wal-Mart with the ad and even though Wal-Mart's bananas were priced at 48 cents a pound... I paid only ten cents a pound! The items have to be the same, for example if the ad says "Hiland" brand 2% milk for $2.29, you have to buy "Hiland" 2% milk. We cloth diaper our son. Cloth diapering is significantly different now. It is no longer flat diapers, pins and plastic pants.

I was default on my student loans. It was completely my mistake; I ignored them when I left school. I need a house but these default loans were causing lots of troubles. So I decided to rehabilitate, I've paid 4 installments already and need to pay 8 more. My question is how long will it take to improve my score? Can the new score be effectively high?

hello all, my problem is not a money problem but more of a time problem. you see i am a musician/producer and my wife is a hair stylist so we're never home. we're constantly making late payments because bills will get lost or we get them late. we have lots of bills and its hard for us to keep track of them and send them out every month. is it worth consolidating so that i will only have one bill a month or is there another way of doing it. any help would be greatly apprectiated.