You're in debt. You need a plan and lots of discipline and follow through to pay it down. It's a lot like dieting.
Because swiping a card is less painful -- and less limiting -- than taking money out of your wallet, it's easy to get into debt. Climbing out is harder, but it can be done.
A reader recently received a bill in the mail that dates back to 2006. Does she have to pay?
If you're facing a massive amount of credit card debt and you're having difficulty paying even the minimum due, you do have options.
You can turn the tables on the most annoying and intimidating collection agencies by taking some proactive steps.
Do you feel entitled to have the latest gadget? Is your self-worth based on the stuff you own?
You have easy access to extra cash that you might not even know about.
Confusion abounds about how paying off an installment loan -- and paying it off early -- impacts your credit rating.
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