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Car on tow truck representing repossession

Car Repossession: Everything You Need to Know

By Tom Jackson | December 3, 2025

For many, keeping pace with car payments is a major budget stressor: A September 2025 report by the Consumer Federation of America showed borrowers are slipping behind at a pace…

neighborhood of townhomes

Housing Help During a Government Shutdown

By Maureen Milliken | November 14, 2025

The federal government has a substantial set of programs to help people keep a roof over their head when it would otherwise be difficult or impossible to afford it. The…

House model, loan bag on basic balance scale representing a home equity loan

Is a Home Equity Loan a Good Idea?

By Pat McManamon | November 6, 2025

A home equity loan is money borrowed against the equity in your home. Your “equity” is the value of your home minus the amount you owe. The loan amount is…

Worried young man reviewing bills at his kitchen table, representing the concept of Charge-Off versus Cancellation of Debt.

Charge-Off vs. Cancellation of Debt

By Sarah Brady | November 5, 2025

What happens when you can’t afford to pay back your debt? Depending on your circumstances, things can unfold in a few different ways. If you’re facing a financial hardship and…

Your Financial Readiness Toolkit

By Max Fay | October 24, 2025

Your Financial Readiness Toolkit Welcome to your Financial Readiness Toolkit a dedicated resource hub for active-duty service members, veterans, and military families enrolled in the Military Debt Relief Program. Whether…

Piggy bank and calculator on light blue background representing personal loan terms

How Long Are Personal Loan Terms?

By Robert Shaw | October 14, 2025

Getting a personal loan is easy enough for many consumers. Too easy if you count those ubiquitous predatory payday loan agencies that prey on people’s desperation. The challenge is getting…

"Closed label" credit cards on white background

How Long Do Closed Accounts Stay on My Credit Report?

By Tom Jackson | October 14, 2025

You might be finished with a credit account, but that doesn’t mean the credit account is finished with you. Closed accounts stay on your credit report for 7-10 years. A good one…

InCharge logo on white background.

Debt Management Help

By Max Fay | October 8, 2025

NonprofitDebt Help That You Can Trust Get free, nonprofit debt help from InCharge – a certified 501(c)(3). No hidden fees. No pressure. Just real help. Give us a call or…

Close up judge hammer gavel on many credit card with white wall background

How to File Bankruptcy on Credit Cards

By Michael Knisley | September 22, 2025

You’re probably already past the well-intentioned warnings from experts about bankruptcy. “Don’t do it unless you have to.” “It’ll hurt at least as much as it helps.” “Make it the…

Repo Company Driver Towing Repossessed Vehicle

How Many Car Payments Can You Miss Before Repossession?

By Tom Jackson | September 17, 2025

Car repossession is a booming and efficient business. Just one missed payment, and Repo Man might haul off your car. He’s very busy these days. Approximately 5.1% of Americans with…