Staff Writer
George Morris
In his 40-plus-year newspaper career, George Morris has written about just about everything -- Super Bowls, evangelists, World War II veterans and ordinary people with extraordinary tales. His work has received multiple honors from the Society of Professional Journalists, the Louisiana-Mississippi Associated Press and the Louisiana Press Association. He avoids debt when he can and pays it off quickly when he can't, and he's only too happy to suggest how you might do the same.
Loans Available for Seniors on Social Security
Just because you’re retired doesn’t mean you won’t need a loan, but senior citizens may wonder if it’s still possible ...
How to Make a Money Saving Meal Plan
It’s always been a good idea to try to save money on food. It’s rarely been as important as right ...
Debt Consolidation Pros and Cons
Debt may not be the American dream, but it’s become the way Americans try to attain their dreams. Don’t believe ...
How to Pay Off $15,000 in Credit Card Debt
If you’re wondering how to pay off $15,000 in credit card debt, you can comfort yourself with the fact that ...
Debt Management
Create Your Debt Management Plan Today consolidate debt in minutes We help with debt from thousands of creditors, including these ...
Debt Consolidation
consolidate debt in minutes We help with debt from thousands of creditors, including these companies: Home » Archives for ...
What Is Debt Settlement?
How Debt Settlement Works Private debt settlement companies are for-profit entities that charge a fee of 15%-25% of the debt ...
Title Loans
Whoever said desperate times call for desperate measures could have been on their way to apply for a title loan. ...
What Is Check Cashing?
Check-cashing services allow people without bank accounts to cash checks. A fee is charged, sometimes just $1, sometimes more than ...
Financial Help For Families With Special Needs Children
Estimates are that parents of disabled children need 17.8% more income a year to care for their child, and Autism ...
Financial Help
Financial Help For Those in Need Many organizations have programs designed for those with specific needs, but it can be ...
Nebraska Resident Debt Relief
The future’s looking good for residents living and working in Nebraska. The economy is expected to grow throughout 2021 and ...
Montana Resident Debt Relief
While the pandemic and hard times that followed were certainly taxing for Montanans, residents of “Big Sky Country” weathered the ...
Wyoming Resident Debt Relief
Wyoming has a long history of mineral extraction which has been the major driver of its economy for over a ...
Delaware Resident Debt Relief
Delaware prides itself as the first state to ratify the U.S. Constitution. It hasn’t, however, led the way out of ...
Bankruptcy Debt Help
Understand Your Bankruptcy Options Have 10 minutes? Get your bankruptcy questions answered here. Convenience We listen to what's going on ...
Debt Help From InCharge Debt Solutions
Get Help Consolidating Your Debt We help with debt from thousands of creditors, including these companies: Calculate your ...
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Credit Card Debt Relief Lower Your Rates, One Monthly Payment, No Credit Score Requirement Our Clients Love Us 96% Customer ...
Connecting Clients with Service Providers
Bankruptcy Recommendation https://www.debt.org/bankruptcy-recommendation/ Identifiers Client is unable to pay their debts via a payment plan and would like to discharge ...
Tennessee Debt Relief Programs & Resources
Tennessee Credit & Debt Consolidation Information Most already know that Tennessee is the home to country music, the Blues and ...
Kentucky Debt Relief Programs & Resources
The past few years have been “slow growing” for businesses and the economy in the state of Kentucky. The number ...
Wisconsin Debt Relief Programs & Resources
Wisconsin Credit & Debt Consolidation Information Student loan debt has reached every corner of America, including the state of Wisconsin ...
Louisiana Debt Relief Programs & Resources
Louisiana Credit & Debt Consolidation Information If you’re struggling financially in Louisiana right now, you have plenty of company – ...
Arizona Debt Relief Programs & Resources
Arizona Credit & Debt Consolidation Information If you live in Arizona, you can’t help but notice the home construction; you ...
Text Message Program Terms & Conditions
Effective date: October 22, 2020 The InCharge Debt Solutions “InCharge” recurring text message service (“Text Program”) is owned and operated ...
Friends and Family
Thank you for sharing InCharge Debt Solutions with your friends and family. Open a Peak Money account and get $20 ...
Friends and Family
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Borrowing Money from Family & Friends
Lending money to family and friends ranks near the top of the list of things that shouldn’t be done without ...
How To Cut Your Expenses
If, like many Americans, you often have too much month at the end of the money, it’s natural to think ...
Credit Counseling for College Graduates
Things change after college. Your new boss won’t be as lenient as your old professor. Instead of a GPA your ...
Identity Theft & Credit Card Fraud Prevention
There isn’t another you. However, there are plenty of crooks who are looking to be you and steal your identity ...
How to Save Money on Utility Bills
Opening an electric bill during the peak heating and cooling seasons can be a budget-testing experience for American families. You’ve ...
How To Create a Successful Budget
With surveys showing that most households lack sufficient savings to pay for a $1,000 emergency, and large numbers of Americans ...
Online Bankruptcy Classes & Counseling
What Is Bankruptcy Debtor Education? In order to be discharged from Chapter 7 or Chapter 13 bankruptcy, you must complete ...
Advantages and Disadvantages of Owning a Home
Buying a home is the biggest financial decision many people make. As with any major decision, a key question to ...
New Credit on a Debt Management Plan
If you’ve been on a debt management plan for a while and feel that you’ve been successful managing your monthly ...
What Happens to Debt When You Die?
When we die, we leave a legacy. For many, a part of that legacy is debt. So, what happens to ...
New Jersey Debt Relief Programs & Resources
New Jersey Credit & Debt Consolidation Information New Jersey is considered one of the richest states in the U.S., according ...
Utah Debt Relief Programs & Resources
Utah Credit & Debt Consolidation Information Utah’s economy was in a unique spot at the start of 2020: almost everybody’s ...
Paying Off Your Loans Early
If you make loan payments on time and keep debt under control, good for you. Many people want to be ...
Opt Out
Here are three ways to opt-out of receiving emails from InCharge Debt Solutions Reply to an email from InCharge and ...
How to Save Money in Your Budget and Grow Your Income
Food How to Save Money on Food (Eating out and at the Grocery Store) Transportation How to Lower Your Car ...
Does Credit Counseling Work?
Money woes plague countless millions of Americans, stressing marriages and giving rise to feelings of hopelessness. For many mired in ...
Credit Card Fraud
Credit card fraud is skyrocketing, and makes up a large part of the $1.48 billion the Federal Trade Commission reports ...
How Does a Credit Builder Loan Work?
*Clears Throat* Credit builder loans help build credit. Well, duh. But how does it work? Often called Fresh Start Loans ...
Medical Bill Consolidation
If you’re sick of medical bills, don’t despair. There are cures for America’s medical debt epidemic, and what a plague ...
Should You Choose Debt Consolidation or Credit Counseling?
Pros and Cons of Debt Consolidation and Credit Counseling The short answer to that question is: Yes. As flippant as ...
Credit Card Refinancing
About Credit Card Refinancing Interest rates are never as low as we’d like — or sometimes need them to be ...
Debt Consolidation vs. Debt Management
American consumers have rebuilt the nation’s credit card debt to record levels and in the process rekindled the debate about ...
Online Bankruptcy
If bankruptcy is in your future, there are tools online to help you find your way through the maze. However, ...
Should You Choose Debt Consolidation or Debt Settlement?
If your debt has reached a crisis point where you you’re paying what you can afford to pay, but not ...
Hawaii Debt Relief Programs
Hawaii Credit & Debt Consolidation Information Millions of Americans dream of Hawaii, especially during frigid winter months when thoughts turn ...
How to Survive a Government Shutdown
The 800,000 federal government employees out of work are facing the same question millions of financially-stressed Americans deal with every ...
How Matt Paid off $23,000 in Credit Card Debt
Matt Holladay knew he was in trouble four years ago when he sat down at his computer and Googled the ...
Credit Counseling Success Stories and Reviews
We're tremendously proud of our clients, many of whom have overcome tremendous odds to pay off their credit card debt. ...
The 10 Best Money Apps to Manage Money
In these modern times - when there's an app for just about everything - it has never been easier to ...
Illinois
The Illinois’ economy was hit harder than many other states by the COVID-19 pandemic because of the preexisting conditions. Illinois’ ...
Who Pays Credit Card Debt in a Divorce?
If you're contemplating a divorce, you may be wondering: how will credit card debt be divided? There are several factors ...
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How to Talk about Money Before Marriage
So, things are going great in your romantic life. Your partner is awesome. Sunshine and rainbows are everywhere. Here, finally, ...
How Can We Help You Today?
Get Help with Your Debt Get a Free Debt Analysis and Budget HelpFind Out if You Qualify for a Debt Management ...
Client Notification about Older Browsers
In order to maintain the highest levels of data security, we will no longer support the security protocol TLS 1.0 ...
Homebuyer Workshop Registration
Thank you for your interest in our Homebuyer Education Seminar! We sincerely apologize but we are postponing our free in-person ...
Nonprofit Debt Consolidation
What Is Nonprofit Debt Consolidation? Nonprofit debt consolidation is a way to reduce credit card debt and make payments on ...
Financial Assistance Programs & Grants for Black and African Americans
About Financial Help for Families Government and academic research show that African Americans are much more susceptible to falling into ...
Know Your Rights with Debt Collectors
Debt collection is a billion-dollar industry that makes calls on more than one-third of the adult population in the U.S. ...
Financial Information Privacy Notice
Last Revision Date: September 30, 2022 This Notice is provided by InCharge Debt Solutions (“InCharge”), which owns and operates InCharge.org, ...
Mortgage Calculator
Choosing the right mortgage is a critical part of buying a home. Even if a lender gives you a green ...
Leave Your Credit Cards at Home: How I Paid Off $32,000
The first week in December Diane Johnson was telling the story about how she got out from under nearly $32,000 ...
Budget Calculator
When it comes to personal finance, success revolves around a simple math equation. How much money are you bringing in? ...
Bad Credit
What Is Considered Bad Credit? Different lenders have different standards for what bad credit is, and the number is more ...
How I Paid off $35k in Four Years
It’s the little things in life that add up. Sometimes those little things are printed on receipts, and they add ...
Surviving a Husband’s Death and the Aftermath of Debt
The floor under Alice Stephens’s life collapsed on Christmas Eve, 2010, when her husband of 34 years, Phillip, died of ...
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Credit Card Debt Relief Lower Your Interest Rates, One Monthly Payment, No Credit Score Requirement OUR CLIENTS LOVE US 96% ...
How this Single Mom Paid off $18,000 with InCharge
One of the many difficulties in dealing with debt is getting past the feeling there is no way out. “Every ...
How to Tell Your Wife You are $40,000 in Debt
Ron Hynson carried a secret for years. It kept him up at night and soured his happy personality, but he ...
Financial Help & Resources for Foster Youth “Aging Out”
It’s your 18th birthday, but instead of getting presents and cake, you’re told to pack your bags and get out of ...
After Paying Off $65,900 on Credit Cards, He’s on Pay-As-You-Go Plan
Joe Forte celebrates the fact he eliminated $65,900 worth of credit card debt and wonders if his struggle to achieve ...
She Paid Off 17 Credit Cards … And $21,000
Jackie Bryan could have paid off the last of her family’s $21,000 credit card debt six months ago, but she ...
How To Save Money on Food at Restaurants and the Grocery Store
Although it’s a wonderful treat to visit a nice restaurant, a regular diet of dining out has become an unhealthy ...
I Paid Off $44,000 In Credit Card Debt
In early 2013, when they faced what seemed like hopelessly grim credit card debt, Joe and Stephanie Dorsch made a ...
Medicaid: How to Qualify, How to Enroll, and What it Covers
If you are going through a financial crisis and have growing problems with debt or your income has been reduced ...
How My Family Stopped the Debt Cycle: We Paid off $35,000 in 4 years
At her worst moments, Kim Smith was suffocating from the chokehold $35,000 worth of credit card debt had on her ...
Debt Traps: How to Avoid Debt by Being Careful
10 Debt Traps & Tips: How to Avoid Debt by Being Careful There are lots of products and services on ...
How I Paid off $10K & Raised My Credit Score Above 700
For Robina Way, life has taken an unimaginable turn. She’s driving a beautiful new car. She’s working steady. She has ...
Debt Free After 40 Years Of Credit Card Debt
Rita Robyn is 67 now and still remembers her first credit card. “Got it from Macy’s when I was 22,” ...
How To Save Money On Homeowner’s Insurance
If you want to save money on your homeowners insurance —who doesn’t? — there are numerous common-sense methods to position ...
What You Should Know Before Co-Signing A Loan
You love your kids, right? So what do you do when Junior unveils a financial plan at dinner that nearly ...
Financial Literacy Education Statistics from FINRA’s NFCS
A national study showed a growing disconnect between the self-perceptions American consumers have of their finances and the real-world actions ...
Student Loan and Credit Card Debt Statistics From The NFCS
American consumers are improving at paying off their credit-card balances, but experts say a new array of diverse products have ...
Financial Data
At InCharge, we rely on financial literacy data to inform and improve on our processes, educational materials and grant programs. Please find ...
Can My Creditors Garnish My Wages?
Six months after James lost his job at an auto parts distributorship, his financial life began melting down. His tendency ...
How Much Are Americans Saving for College, Retirement and Emergencies?
Economic experts have worried about the willingness of American consumers to plan adequately for their financial future and a national ...
American Budgeting and Saving Behavior
Nearly half of all American consumers can easily cover their day-to-day expenses, while the satisfaction with their personal finances has ...
Debt Statistics By State
If you want to avoid debt, don't be like Mike. He lives in Jackson, Miss., dropped out of high school ...
Credit Card Debt Relief
Credit Counseling Certified credit counselors provide free budget and credit counseling that can help you get a handle on your ...
Florida
While Floridians have done a somewhat admirable job of keeping their debt levels in check despite some tough economic times, ...
New York
Frank Sinatra sang that if you can make it in New York, you can make it anywhere. He’s right, though ...
California Debt Relief Programs
If you’re a California resident dealing with credit card debt, we can help you. InCharge provides free credit counseling to residents ...
The Best Debt Consolidation Options
Debt Consolidation: Options & Tips Monthly bills can be like roaches. You turn on the light every 30 days and ...
What You Should Do If You Can’t Afford Your Car Payments
Even before the COVID-19 pandemic sent the economy into a tailspin, millions of Americans were 90 days or more behind ...
The Implications of Debt Management
Life can be expensive and one solution that people have come up with is to take on debt to afford ...
How the “Sandwich Generation” Manages Raising Kids While Caring for Elderly Parents
American culture has created names for various age groups based on when they were born. Baby Boomers. Millennials. Generations X ...
Credit or Debit Card for Shopaholics
Consumerism is well-ingrained in our society and this has pushed some people to make shopping a little more seriously than ...
Will Carrying a Balance Help My Credit Score?
The world is full of myths, and one might be costing you a lot of money. It’s the widespread belief ...
700 Credit Score Club
A lot of people are familiar with “The 700 Club,” a long-running Christian talk show. Not many realize another 700 ...
Credit Scores Soaring
America, give yourself a pat on the financial back. Credit scores for U.S. consumers reached a record high in the ...
Save On Entertainment
When some part of your budget needs to be trimmed to help pay off debt, the first place that people ...
Money Going Mobile: Mobile Payments and the Virtual Wallet
I can’t remember the last time I paid a friend back in cash. That thought was an eye opener to ...
Household Debt Approaches Record High
America loves a good comeback story, like Robert Downey Jr. overcoming all sorts of addictions to become one of Hollywood’s ...
Millennials Reject Credit Cards and Credit Card Debt
If you want to break up the loud party that your neighbor’s millennial kid is throwing in his basement bedroom, ...
How I Became a Credit Counselor
Anouska Livingston was pregnant, unemployed, in debt and stressed out. The last thing she needed was to go in a ...
How To Become Debt Free
Here’s the easiest quiz you’ll ever take: Would you like to sleep better, have a happy marriage, improve your health, ...
The Truth About Zero Interest Credit
You’ve seen the signs at retailers: No interest for six months, 1 year or longer. Typically zero interest credit opportunities ...
How To Spend Your Tax Refund
It’s tax time. And for most us, this is the only time of year we get a windfall bigger than ...
Summer Travel: International
If wanderlust is your middle name, follow these tips for seeing the world on a shoestring budget. Know the exchange ...
Preparing Your Wallet For Blizzard 2015
With weather forecasters issuing warnings to millions of people living in the Northeast Monday and Tuesday of this week, we ...
5 Tips: Super Bowl Party On A Budget
Whether your team is playing in the big game or not, Super Bowl Sunday is the perfect opportunity for friends ...
Cheap Super Bowl Recipe: Slow Cooker Turkey Chili
Invite the gang over to chow down a big bowl of hearty turkey chili. Serve with a dollop of sour ...
7 Tips to Get Out of Debt
Is debt weighing you down? It doesn't have to for long. We have the top seven tips to help you ...
5 Money Lessons I Learned from My Mom
On Mother’s Day, we are reminded that mom is our first and most influential money role model. As children, we ...
Spring Dollar Store Deals: Top 10 Family Activities
Looking for ways for you and family to enjoy spring without spending too much money? Look no further than your ...
How My Friend Reduced her Student Loan Payments to Zero
I’m never going to be a good shopping buddy. I’ll never tell you to buy that new pair of jeans ...
NFCC Challenges Americans to Declare Financial Independence This Fourth of July
Washington, DC – Each summer Americans take pride in celebrating the Fourth of July, the day that commemorates the 1776 ...
Job Search Tips for New Grads
To the roughly 1.6 million college graduates in the class of 2014: You have my heartiest congratulations – and my ...
Read Contracts Carefully Before Signing
If you always stop to read the fine print before signing anything, congratulations – your parents trained you well. If ...
Money Saving Tips on Home Repair
There's nothing more annoying to deal with than an unexpected home repair. They’re costly and can take a huge hit ...
Out-of-the-Box Ways To Earn Extra Cash
Does paying off your debt have you strapped for cash? Thinking out of the box can help you earn anywhere from ...
Reginal Sconiers Celebrates 10 Years as a Credit Counselor
Reginal Sconiers hears voices every afternoon. “I’d say somewhere between 10 and 15 every day,” he said. They are the ...
Money Saving Tip: Choose A Bank With No Overdraft Fees
Money Saving Tip: Choosing the right bank can be an easy and painless way to save some extra cash. Whether ...
Tips To Save On Halloween Candy
Before you know it - your neighborhood will be over-run with ghosts and goblins looking for sugary treats. Don't let ...
Thanksgiving Turkey Money Saving Tips
Save money on your Thanksgiving Turkey by buying a frozen bird over a fresh one. Frozen turkeys are almost always ...
Top Veterans Day Discounts
Veterans Day is Tuesday, November 11. Many retailers are thanking those who have served by offering them free and discounts ...
InCharge Helps Teach Girls Value Of Economic Independence
Diane Meiller has hosted a competition for high school girls the last eight years to promote the idea that gender ...
When Is A Good Time To File For Bankruptcy?
The decision on whether to file for bankruptcy is as much about time as money. Specifically, how much time will ...
How Long Will I Be Punished For My Ex’s Poor Payment History?
Dear Liz: How long must I be punished for my ex's poor payment history? In our divorce he agreed to ...
Summer Travel On A Budget Ideas
Be realistic about what you can afford. Hey, we all want an amazing, no-holds-barred vacation, but choosing a trip you can’t ...
Save Money On School Folders & Binders
Back-to-school shopping is expensive. Save money this new school year by reusing up your old plastic folders, dividers, and binders. Reusing ...
How We Paid Off $123,000
Paying off close to $123,000 of debt in less than five years is a great accomplishment. Remaining debt free for ...
How to Raise Your Credit Score: Top 5 Tips
Poor credit could be costing you thousands of dollars a year. If you’ve suffered from a ‘so-so’ or even poor ...
Can A Debt Collector Friend Request You On Facebook?
Facebook and Instagram are for posting selfies and making all of your high school friends jealous of your fab life. ...
File Your Tax Return Even If You Can’t Pay
I often joke that I pay my taxes because I don't want the Internal Revenue Service to take my home. ...
How To Save Money At Military Thrift Shops
Eleanor Davis can spot military spouses a mile away. They come in droves, looking for something to spruce up their ...
Telephone Tips For Military Families
If you or a family member serves in the military, you know how expensive the monthly phone bill can be. ...
TRICARE Standard vs. TRICARE Prime For Pregnancy
Pregnant military spouses who live within the 40-mile catchment area of base hospitals have been a captive population for base ...
Children In Military Families: Tips For Parents And Teachers
The present situation in Iraq understandably is quite stressful for children of parents on active military duty. Their fears clearly ...
Resume Tips for Blue Collar Jobs
If you think you don't need a resume for a blue collar job, think again. An organized, professional resume is ...
Five Tips for Kids on Piggy Bank Basics
The first opportunity to learn good money management skills is from a parent but it is hard with the increased ...
How Goal Setting Can Get You Out Of Debt
Getting what you want doesn't always come easy. More often than not, you've got to work hard to achieve the ...