Get debt help
Dealing with debt can be overwhelming. Use our resources to learn the best ways to manage your debts and find a path to financial freedom — whether that's through debt counseling, negotiating a debt settlement or applying for a debt consolidation loan.
Debt Management Basics
5 steps to pay off debt and rebuild credit
Credit counseling agencies help with repayment
5 steps to pay off your credit cards
See if you qualify for total debt forgiveness
9 tips for a better credit score
3 steps to finding credit guidance
Best of Debt Management
Our debt management guides can help you find the best settlement, counseling and credit repair companies.
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Pros and cons of IRS payment plans6/1/2023
When you owe taxes, setting up an IRS payment plan can help. Here are the pros and cons and costs you need to know before signing up.
Learning from financial hindsight6/1/2023
One in 5 Americans regret most of their financial decisions. Our survey reveals the most regretted purchases, investment decisions, and more.
ConsumerAffairs Research Team
Turning gray into red6/1/2023
Take a look at the current financial situation for seniors in the U.S., including their worries and struggles when it comes to money.
ConsumerAffairs Research Team
Current standard deductions5/24/2023
This overview covers current standard deduction amounts for federal income tax in the U.S. Find out what it is and who is eligible to claim it.
What is a debt management plan?5/20/2023
Wondering if a debt management plan is right for you? Find out debt management plan pros and cons, costs, program lengths and more on ConsumerAffairs.
Dr. Megan Hanna
Best Credit Counseling Services5/18/2023
Credit counseling services can help you manage overwhelming debt. We compared the best credit counseling agencies to help you get started.
Dr. Megan Hanna
2022-2023 tax brackets5/15/2023
Understanding tax brackets is essential to navigating tax season like a pro. Learn how tax brackets work and how it is based on taxable income.
Debt settlement pros and cons5/12/2023
Is debt settlement a good idea? Debt settlement is often a last resort if your debts have become overwhelming. Learn more about benefits and risks.
Best debt relief companies5/12/2023
We reviewed and compared plans and fees for the best debt relief companies to help you choose the right debt relief company for your needs.
Dr. Megan Hanna
About capital gains taxes in 20235/9/2023
Discover the latest capital gains taxes rates, including information about what it is, how it works and how it can affect your investments.
Best Student Loan Refinancing and Consolidation5/5/2023
Find the best student loan refinancing and consolidation companies. Read hundreds of customer reviews. Compare student loan consolidation vs refinancing options.
How to set up a payment plan with IRS5/5/2023
Are you struggling to pay your taxes? Setting up a payment plan with the IRS is one solution. Here’s what you need to know about the process and fees.
Credit counseling vs. debt settlement5/5/2023
Credit counseling is when you work with a financial professional to manage debt. Settlement is negotiating with creditors to reduce what’s owed.
What is a negative credit history and how to fix it5/5/2023
Several factors contribute to a negative credit history, like late payments and carrying a high balance. Learn what you can do about it.
Credit repair vs. credit counseling5/5/2023
Fixing your credit isn't always easy. Learn more about credit repair and credit counseling to make the decision that's best for you.
What is excise tax?5/4/2023
Discover the different types of excise tax, how it works, who pays it and why, and how excise tax affects consumers and businesses alike.
Debt settlement vs. bankruptcy5/4/2023
Debt settlement is negotiating to pay less debt than owed, and bankruptcy is filing for debt to be discharged. Learn more about the differences.
What is debt forgiveness?5/3/2023
If you’re struggling to pay your bills, you may want to pursue debt forgiveness. Learn what it is, the different types and the pros and cons.
How to handle bill collectors5/2/2023
You have rights as a consumer when dealing with bill collectors. Here’s a step-by-step guide that will help you feel more empowered and in control.
What is debt consolidation and should I consolidate?4/28/2023
Rolling multiple debts into one can be a way to streamline the repayment process and possibly even lower the overall cost of your debt.
What is credit counseling?4/28/2023
Credit counseling organizations can advise you on your money and debts, help you with a budget and offer money management workshops
Best Debt Management Plans of 20234/28/2023
A debt management plan can help you negotiate with creditors to pay off debts faster, but make sure you pick a legitimate company.
Dr. Megan Hanna
Pros and cons of being an authorized user on a credit card4/28/2023
Being an authorized user can affect your credit score both positively and negatively; however, the card and its perks ultimately don’t belong to you.
9 ways to improve your credit score4/21/2023
Strategies like paying off a high credit card balance or disputing an error on your credit report can make a big difference in your score.
Best Debt Settlement Companies4/20/2023
Over 50K+ customer reviews to help you find the best debt settlement companies of 2019. Use our guide to compare repayment terms, fees and more.
What is a deferred payment and how does it affect your credit?4/20/2023
Deferred payments may be an option for loans and credit cards when you're unable to pay. Learn what you need to know before you pause payments.
How to file back taxes4/13/2023
Unfiled taxes can be stressful and lead to penalties. Our tax relief guide explains how to file back taxes and get caught up with the IRS.
How to build credit as a teenager4/13/2023
It can be hard for 18-year-olds to get approved for a student loan or credit card. Becoming an authorized user or getting a secured card can help.
How to consolidate debt without hurting your credit4/7/2023
There are many factors to consider when exploring debt consolidation. Learn how to consolidate your credit card debt without hurting your credit.
How to negotiate credit card debt4/7/2023
Credit card negotiation may be intimidating, but it's a good option if you have fallen behind on payments. Learn how to negotiate your debts.
Best Debt Consolidation Loan Companies4/7/2023
Over 50K+ customer reviews to help you find the best debt consolidation company. Use our guide to compare loan amounts, interest rates, loan terms and more.
How to get out of debt4/7/2023
Debt doesn’t have to consume your whole life. Learn how to break the cycle of debt and start building a more secure financial future.
What you should know about credit repair companies4/7/2023
It’s possible to work with a legit credit repair company to fix your credit score. Learn what it does and how to find a reputable company.
Government assistance programs: What are your options?4/6/2023
Debt relief changes the terms or amount of your debt so you can make headway in paying it off. Here are some government-sponsored options.
Dr. Megan Hanna
Does debt consolidation hurt your credit?4/6/2023
Debt consolidation can help or hurt your credit score, depending on which method you use and how diligent you are with your repayment plan.
Do I need a debt settlement lawyer?3/31/2023
When your loans and credit card payments seem overwhelming, a debt settlement attorney may be able to help lower the amount you owe.
How to fill out a W-4 form in 20233/28/2023
Learn how and when to fill out the latest W-4 form accurately and efficiently in order to maximize your income and minimize your tax liability.
Best Credit Repair Companies3/28/2023
Compare the best credit repair companies on costs, services and reviews. Top picks include Sky Blue, Credit Saint, The Credit Pros and Ovation.
Best Tax Relief Companies3/27/2023
Need IRS tax debt help? Read reviews + compare costs for the best tax debt settlement and IRS resolution companies. Plus, learn how tax relief programs work.
How do debt relief companies work?3/24/2023
Learn more about what debt relief companies do, how it affects your credit score, how it's different from debt consolidation and whether it's risky.
78% of pet owners would consider going into “pet debt”3/22/2023
The majority of pet owners would consider going into pet debt. Here’s how much they would spend and how they would pay for a pet emergency.
What to do if you receive a letter from the IRS3/16/2023
If you've received a letter from the IRS, don't panic. Our guide outlines the steps you should take to resolve the issue and avoid any penalties.
What is debt collection and how does it work?3/10/2023
Debt collectors are agencies that collect debt repayment on behalf of a creditor. Having your debt sent to collections can hurt your credit score.
What is the Fair Debt Collection Practices Act (FDCPA)?3/10/2023
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits debt collectors’ actions, including how they can contact debtors.
Dr. Megan Hanna
What is bankruptcy? All you need to know before you file3/10/2023
Bankruptcy can offer a fresh financial start, but it isn’t always the best solution. Read to learn what it is, how it works, and its pros and cons.
How to file your taxes for free3/9/2023
Learn how to file your taxes for free no matter what your income or age. This guide discusses the IRS Free File and free tax software programs.
Is debt management a good idea?3/9/2023
Is a debt management plan, or DMP, the right answer for paying off unsecured debt? Learn more about debt management options to help you decide.
Dr. Megan Hanna
How to get a debt consolidation loan with bad credit3/3/2023
Debt consolidation can help you lower monthly payments and pay down debt faster. Learn how to qualify for a debt consolidation loan with bad credit.
Does medical debt affect your credit score?2/24/2023
Do medical bills affect your credit? It depends on the scoring model and amount of debt. Here’s how to handle medical bills on your credit report.
How does debt consolidation work?2/24/2023
To help you decide whether debt consolidation is the right way to pay off your loans, learn what it is, how it works and the pros and cons.
Should I file for bankruptcy?10/31/2022
Are you considering bankruptcy to remove debt? Learn about the pros and cons, the different types and the steps to filing for bankruptcy.
David Chandler, Ph.D.
How to manage your money7/5/2022
Seven simple steps to manage your money better no matter where you’re starting. Tips on savings and debt. Plus, get our monthly budget template.
How to Choose a Certified Credit Counselor4/13/2022
Choosing the right credit counselor can help you get back on track financially. Here are steps to take before picking a credit counseling agency.
What affects your credit score?4/12/2022
What’s in a credit score? Find out the five major factors that impact your credit score and get tips on how you can improve your credit score.
How to fix your credit4/12/2022
From removing negative marks to increasing your credit limit, follow these 9 steps to improve your credit score and regain financial independence.
How to build credit4/12/2022
Build your credit from scratch with secured cards, credit builder loans, rent reporting and more. Read the full list and start building credit today.
What is credit?2/25/2022
Credit is the ability to borrow money with an agreement to pay it back later. Learn the types of credit and how it could affect your financial future.
What is Adjusted Gross Income?2/17/2022
Adjusted gross income is your income minus adjustments like student loan interest and retirement contributions. Learn how to calculate your AGI.
How to get student loan forgiveness1/28/2022
Are you eligible for student loan forgiveness? Find out if you qualify for one of these student loan forgiveness, cancellation or discharge programs.
Best Debt Consolidation in Portland, OR10/15/2021
Looking to reduce monthly costs and get out of debt? Use our guide to find the best Portland debt relief companies. Compare services and set up consultations.
Best Debt Consolidation in Cincinnati, OH10/15/2021
Need debt relief? Use our guide to find the best Cincinnati debt consolidation and settlement companies. Compare strategies and set up consultations.
Best Debt Consolidation in Atlanta, GA10/13/2021
Looking for debt relief? Compare the best debt consolidation and settlement companies in Atlanta to get a strategy and reduce your rates.
Best Tax Relief in Tulsa, OK10/1/2021
Use our guide to compare the best Tulsa tax relief companies and tax attorneys to get help catching up on your unfiled and unpaid taxes.
Best Tax Relief in San Antonio, TX10/1/2021
Struggling to pay your taxes? Compare the best San Antonio tax relief companies that will help you negotiate with the IRS and manage your back taxes.
Best Tax Relief in Pittsburgh, PA10/1/2021
Owe back taxes to the IRS? Compare the best Pittsburgh tax relief companies to help you work with the IRS and manage your tax debt.
Best Tax Relief in Houston, TX10/1/2021
In trouble with the IRS? Use our guide to compare the best Houston tax relief companies. Find one with highly skilled tax attorneys and CPAs.
Best Tax Relief in Los Angeles, CA10/1/2021
Behind on paying your taxes? Compare the best Los Angeles tax relief companies and tax attorneys to help you manage your IRS debt.
Best Tax Relief in Las Vegas, NV10/1/2021
Are you behind on your taxes? Use our guide to compare the best Las Vegas tax relief companies that can help you manage your tax debt.
Best Tax Relief in Milwaukee, WI10/1/2021
Are you in tax debt? Use our guide to compare the best Milwaukee tax relief companies and tax attorneys to get help negotiating with the IRS.
Best Tax Relief in Albuquerque, NM10/1/2021
In tax debt to New Mexico or the IRS? Use our guide to find Tax attorneys and CPAs at the best Albuquerque tax relief companies to help you manage your tax debt.
Best Tax Relief in Denver, CO10/1/2021
Owe back taxes and under pressure from Colorado or the IRS? Compare the best Denver tax relief companies that have qualified attorneys and CPAs who can help.
Best Tax Relief in Atlanta, GA10/1/2021
Owe back taxes to the IRS? Use our guide to find tax attorneys and CPAs at the best Atlanta tax relief companies. Compare reviews, services and results.
Best Tax Relief in Cincinnati, OH10/1/2021
Behind on your taxes? Use our guide to find the best tax relief companies in Cincinnati. Compare qualifications, reviews and track record.
Best Tax Relief in Austin, TX10/1/2021
Compare the best Austin tax relief companies that have tax attorneys and CPAs on staff to help you manage your back taxes and deal with the IRS.
Best Tax Relief in Indianapolis, IN10/1/2021
Behind on back taxes? Not sure what to do? Use our guide to compare the best Indianapolis tax relief companies and tax attorneys that can help.
Best Tax Relief in Orlando, FL10/1/2021
In tax debt to Florida or the IRS? Compare the best Orlando tax relief companies that can research your case and find a debt-free solution.
Best Tax Relief in Dallas, TX10/1/2021
Need help with tax debt? Find the best Dallas tax relief companies that can help negotiate with the IRS and Texas to reduce or eliminate your taxes.
Best Tax Relief in Chicago, IL10/1/2021
Find the best Chicago tax relief companies that have the knowledge and experience to negotiate with the IRS and help you manage your tax debt.
Best Tax Relief in Kansas City10/1/2021
In debt to Missouri or the IRS? Use our guide to learn how tax attorneys and CPAs at the best tax relief companies in Kansas City can help.
Best Tax Relief in Sacramento, CA10/1/2021
Got tax debt? Find the best tax relief companies in Sacramento that help people remove IRS penalties, create payment plans and negotiate settlements.
Best Tax Relief in Portland, OR10/1/2021
Back taxes? Unfiled tax returns? Find the best Portland tax relief companies that have tax attorneys and CPAs who negotiate a resolution with the IRS and Oregon.
Best Debt Consolidation in Indianapolis, IN9/30/2021
Having trouble with payments? Use our guide to compare the best debt relief companies in Indianapolis to get lower interest rates.
Best Debt Consolidation in Albuquerque, NM9/30/2021
Use our guide to find and compare the best debt relief companies in Albuquerque. Learn how to get lower interest rates and settle debt.
Best Debt Consolidation in Dallas, TX9/30/2021
Overwhelmed by debt? Our guide can help you find the best debt relief companies in Dallas to lower your interest rates and manage debt.
Best Debt Consolidation in Pittsburgh, PA9/30/2021
Falling behind on payments? The best debt relief companies in Pittsburgh can be compared using our guide. Get lower interest rates and save money.
Best Debt Consolidation in San Antonio, TX9/30/2021
Need help with your debt? Find the best debt relief companies in San Antonio to help restructure and reduce your debt so you can regain financial freedom.
Best Debt Consolidation in Tulsa, OK9/30/2021
Feeling overwhelmed with debt? Use this guide to find the best Tulsa debt consolidation and settlement companies to get debt relief.
Best Debt Consolidation in Kansas City, MO9/30/2021
Struggling with debt? Use our guide to compare the best Kansas City debt consolidation and settlement companies. Get help restructuring and reducing your debt.
Best Debt Consolidation in Denver, CO9/30/2021
Are you in debt? Check out our guide of the best debt relief companies in Denver for debt consolidation and settlement. Compare debt relief strategies today.
Best Debt Consolidation in Chicago, IL9/30/2021
Are you in debt? Use our guide to find out which Chicago debt relief companies offer the best debt consolidation and settlement options.
Best Debt Consolidation in Houston, TX9/30/2021
Need debt relief? Find the best Houston debt consolidation and settlement companies. Compare debt management strategies and set up consultations.
Best Debt Consolidation in Austin, TX9/30/2021
Need debt relief? Use our guide to compare the best debt consolidation and settlement companies in Austin to lower your interest rates.
Best Debt Consolidation in Sacramento, CA9/30/2021
Need a strategy for debt management? Use our guide to find the best Sacramento debt relief companies for debt consolidation and debt settlement.
Best Debt Consolidation in Milwaukee, WI9/30/2021
Burdened by credit card debt? Use our guide to compare the best debt consolidation and settlement companies in Milwaukee to reduce what you owe.
Best Debt Consolidation in Las Vegas, NV9/30/2021
The best debt relief companies in Las Vegas offer solutions including debt settlement and debt consolidation. Find out if you qualify using our guide.
Best Debt Consolidation in Los Angeles, CA9/30/2021
Need debt relief? Use our guide on the best Los Angeles debt consolidation and settlement companies to compare options and gain financial freedom.
Best Debt Consolidation in Orlando, FL9/30/2021
Feeling burdened by debt? Read our guide to find the best Orlando debt consolidation and settlement companies to get debt relief and see if you qualify.
National Debt Relief vs. Freedom Debt Relief4/28/2021
National Debt Relief and Freedom Debt Relief are both top providers of debt settlement services. We compared them side by side, so you don’t have to.
Consumer debt rose by $312 billion in the second quarter
How to deal with an aggressive debt collector
CFPB throws the book at one of the biggest debt collection companies in the U.S.
White House announces effort to tackle rising medical debt
States take steps to protect patients from staggering medical bills
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