From calculators and free excel spreadsheets to sample letters, there are several tools to help you manage you money.

My Settlements – Sample Debt Settlement Letters

These debt settlement letters are the written proof that by negotiating a settlement with credit card companies, you free yourself from thousands of dollars of debt. These are real offers of real debt relief! Here are the images of the of settlement letters I have received from our creditors. These are real, actual letters, minus […]

TurboTax TaxCaster Review

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 […]

Debt Validation Letter Sample

When you are being asked to pay off a debt, it is always in your best interest to request a validation of the debt, especially for debts of years past. In some cases, you may not remember owing certain creditors and in other cases, it is a debt collector trying to get your money. To […]

Lump Sum Debt Settlement Letter Sample

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 […]

Sample Letter to Close Your Credit Card Account

Many people find themselves in situations where they need to do some financial ‘house cleaning’ and want to close some of their credit card accounts in order to make things a little simpler.  This can be a good idea, but you need to go about it carefully. To begin with, you should not close a […]

Debt Settlement Sample Letters

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 […]

Sample Letter: How To Stop Collection Agency Harassment

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 […]

Sample Letter: How To Notify Creditors After a Death

When family members pass away, there is a lot of things to consider and a lot of paperwork to complete. Sadly, in addition to all of the grief that accompanies a death of a loved one, there can also be additional grief that comes from the con artists who take advantage of the situation. As in […]

Sample Letter For Mortgage Hardship

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 […]

Sample Letter: How To Ask for A Lower Interest Rate

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 […]