From calculators and free excel spreadsheets to sample letters, there are several tools to help you manage you money.
TurboTax offers the TaxCaster refund estimator calculator tool for consumer use. The calculator is a free way to estimate how much of a tax refund, if any, you can expect for your tax year. The calculator will ask you to fill in some estimated information. It doesn’t have to be totally accurate as the [...]
During the debt settlement negotiation process, a letter requesting a lump sum settlement may be one of the best ways to successfully land a settlement on your credit card debt. Most credit card companies are more willing to accept a lump sum because they know that they’ll get paid at least some of the principle [...]
Despite some bad press and some predatory companies that take advantage of people who are in debt, consumers everywhere are settling their credit card debt on past due accounts with virtually every credit card company in the industry. Below is a list of some sample debt settlement letters that represent negotiated settlements on overdue credit [...]
Calls and other correspondence from collection agencies seeking payment for outstanding debts can be invasive and harassing in nature. There are certain rules and regulations collection agencies must adhere to or else face hefty fines. If you are on the receiving end of correspondence from a collection agency that is trying to collect a debt [...]
With many people facing an uncertain financial future and still reeling from the effects of the recession it has become necessary for many people to communicate their hardships to their lenders. Some lenders are willing to work with borrowers who can show they are experiencing a financial hardship. In many cases these lenders require a [...]
With the recent incidents of credit card companies raising interest rates, even on the accounts of excellent customers, many consumers have begun to fight back and are working to get a reduction. Getting a reduction on your credit card interest is not impossible, provided you are a good customer, you pay on time all the [...]
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