Credit card debt has a way of sneaking up on people, especially in today's high-rate environment. One month your card balance ...

In fact, there are a few different options — credit counseling, bankruptcy and debt relief — that could make sense in this situation. Choosing the right one isn't always straightforward ...

Depending on the counselor's training, they may also provide pre-bankruptcy, housing, and other specialized counseling for your unique situation. If you have a mountain of credit card debt ...

“Prioritize debts secured by a house or car, necessities like utilities and debts that can’t be discharged, including student ...

You can also check out our list of best credit cards for alternative options. Earn up to 10% cash back on everyday purchasesFiling for bankruptcy can cause your credit score to drop dramatically ...

You also may find debt relief through credit counseling and debt management plans. Debt settlement and bankruptcy should remain the very last options as they will can be costly and will stay on ...

WESTconsin Credit Union is proud to be named a Debit Relief Advocate by GreenPath Financial Wellness through its Partner Excellence Awards, known as the Greenies. This recognition highlights organizat ...

Typically defined as a FICO score of below 580, a bad or poor credit score signals to lenders that a borrower is at a higher risk of defaulting. This can make debt relief programs like debt ...

LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in national publications, and her work has been cited in several books.