2012 News Archive

December 2012

Common Money Blunders to Avoid During the New Year

Dec 28, 2012 |

Americans have largely taken strides to get their finances on track this year by paying down credit card debt, limiting their use of borrowed funds and contributing more money to savings.

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Holiday Bills Fill the Mailbox

Dec 27, 2012 |

Soon the holiday greeting cards will be replaced by holiday bills. Everyone loves the holidays, but no one is happy when they see their post-holiday credit card bills.

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Do You Have a Retirement Savings Plan?

Dec 27, 2012 |

Planning ahead for retirement is essential for workers to avoid shortfalls and debt during their post-working years.

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Wedding Cost Infographic

Dec 26, 2012 |

Consolidated Credit offers a helpful Wedding Infographic that details the real cost of a wedding with ways you can cut costs to avoid problems with debt.

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Common Money Attitudes that Land People in Debt

Dec 26, 2012 |

Next year will be a time of new beginnings for many Americans who have vowed to improve their finances, build their savings and eliminate their debt.

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Keep Utility Costs Low This Winter

Dec 24, 2012 |

The winter season is typically an expensive time of year for households as they manage their year-end financial planning and prepare for the holidays.

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A Third of Americans Cut Spending Due to Fiscal Cliff Fears

Dec 20, 2012 |

Lawmakers have yet to come to an agreement on the looming fiscal cliff, and many Americans have drastically reduced their spending in anticipation of a worst-case scenario.

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Nearly Half of Americans Say They Live Paycheck-to-Paycheck

Dec 19, 2012 |

A large percentage of consumers may prioritize their finances in 2013, and try to overcome the burden of credit card debt and loans.

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Avoid Credit Card Mistakes During Year-end Financial Planning

Dec 18, 2012 |

Many individuals focus heavily on their finances during the end of the year as they try to plan ahead to start the new year off fresh.

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Consolidated Credit Provides Gift Ideas and Tips to Consumers

Dec 17, 2012 |

With less than two weeks before Christmas, only half of U.S. consumers who are planning to buy holiday gifts have started shopping

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Don’t let holiday travel ruin your budget

Dec 13, 2012 |

The holidays are typically an expensive time for individuals and families, and travel costs can take a significant chunk out of a person's income.

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Recovering financially from a break-up

Dec 12, 2012 |

Ending a relationship with someone is never easy, and it may take many people a great deal of time to emotionally come to terms with the break-up.

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Reviewing your credit card statement may help you curb debt

Dec 11, 2012 |

Credit card debt is a pervasive problem in the United States. Consolidated Credit helps you use your monthly account statements to manage debt effectively.

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Who Should You Turn to When Faced With Credit Card Debt?

Dec 07, 2012 |

When credit card debt becomes a problem, it can be hard to recover on your own – especially on a limited budget. Credit counseling helps you get ahead.

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One in Ten Lacks Basic Need to Provide Food for Family Members

Dec 06, 2012 |

The recession ended three years ago, but many consumers may not feel as though their financial situations have improved.

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Consumer concern over credit card debt may curb holiday spending

Dec 05, 2012 |

Budgeting during the holiday season is necessary to avoid racking up significant credit card debt.

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A large percentage of Americans fail to save for retirement

Dec 04, 2012 |

Putting money aside for retirement is a necessary goal to living comfortably during consumers' post-working years and covering their day-to-day costs.

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Keep your risk of identity theft low this holiday season

Dec 04, 2012 |

Holiday shopping is prime time for credit cards, but it’s also a prime time to get your identity stolen if you don’t take steps to prevent ID theft.

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Make sure you close your credit card correctly

Dec 03, 2012 |

Many Americans carry multiple credit cards in their wallets, and some may owe a balance on each account.

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Re-entering the housing market following a foreclosure

Dec 03, 2012 |

Losing a home to foreclosure can be one of the most financially and emotionally painful experiences a household goes through.

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November 2012

More adults live in shared households to save money

Nov 30, 2012 |

Mortgage rates continue to hover near record lows and home prices are strengthening, but are still affordable to most average income earners.

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Strategies savers use to amass their wealth

Nov 29, 2012 |

When it comes to money management, there is no one-size-fits-all method for building wealth.

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Keeping credit healthy while paying off student loans

Nov 21, 2012 |

Millions of young adults across the country carry student loans, and total education debt recently surpassed $1 trillion nationally.

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Rent vs. Buy? Which is the Better Decision for You?

Nov 16, 2012 |

The decision to rent a home versus buying a property outright can be critical to your financial success. Learn how to determine if you're ready for a mortgage.

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Develop a plan to prevent overspending this holiday season

Nov 15, 2012 |

The holiday season is almost here. Consolidated Credit helps you make plans to avoid overspending that leads to high-interest credit card debt.

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Parents, Adult Children Divulge Different Views on Financial Futures

Nov 14, 2012 |

Parents and children often have a hard time discussing financial issues even in adulthood, but it’s important to get on the same page on certain topics.

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Many Sandy Victims Find They Lack Sufficient Insurance Coverage

Nov 13, 2012 |

There are several scenarios that can lead a household down a dangerous path toward debt.

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Consumer Debt Falls as the Holiday Season Approaches

Nov 09, 2012 |

Fewer individuals are incurring new credit balances, and appear to be taking a more proactive approach to managing their accounts.

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Retirement and Healthcare Costs Remain Key Concerns for Americans

Nov 07, 2012 |

Millions of Americans continue to live paycheck-to-paycheck, which can make planning for future financial needs more challenging.

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Help Coping with Financial Devastation Caused by Hurricane Sandy

Nov 06, 2012 |

Hurricane Sandy is on track to be the second most expensive storm in U.S. history.

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More Interested Buyers Enter Housing Market

Nov 06, 2012 |

In recent months, there has been an uptick in the number of consumers interested in homeownership.

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Easy Ways to Teach Children Financial Concepts

Nov 05, 2012 |

Most adults understand the importance of teaching their children about personal finance topics and instilling them with fiscal discipline and a sense of responsibility.

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Discover Open Road Card Paves the Way to Financial Independence

Nov 05, 2012 |

Whether you're staying close to home at community college, moving a few hours away or even a few states away, transitioning into the college life brings newfound independence.

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October 2012

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2012 Holiday Infographic: Jump on the Savings Sleigh!

Oct 31, 2012 |

As holiday costs continue to increase, Consolidated Credit looks at how Americans plan on spending and how you can save money on holiday costs this season.

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Financial Planning When you Start Setting Life Goals

Oct 25, 2012 |

Most people start thinking more seriously about their finances as they get older and their priorities begin to change.

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Financial Options When Your Emergency Fund Has Dried up

Oct 19, 2012 |

A financial crisis can strike at any time, and many households across the country have tried to protect themselves by establishing an emergency fund to cover sudden costs.

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Scammers Now “Pinning” on Pinterest

Oct 19, 2012 |

Scammers will do whatever it takes to find new victims, even if this means tracking millions of users on different social media outlets.

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Consumers Cautioned during National Protect Your Identity Week

Oct 17, 2012 |

Identity theft has increased dramatically over the last decade affecting about 9 million Americans annually, according to the Federal Trade Commission.

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Saving Money in a Down Economy

Oct 16, 2012 |

The recession officially ended in 2009, but as gas and food prices rise and millions of Americans struggle to find a job, many are still feeling the lingering effects of the down economy.

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Financial Strategies for Domestic Abuse Survivors

Oct 15, 2012 |

Domestic abuse is dangerous and unfortunate, but a pervasive occurrence in the United States.

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How to Respond When Your Mortgage Application is Rejected

Oct 12, 2012 |

Receiving a mortgage rejection letter from a lender can be emotionally trying for potential homebuyers who were counting on the financing to purchase their dream home.

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Kiplinger Editors Address Tax Planning in Free Live Web Chat

Oct 11, 2012 |

As consumers wonder how they will be affected if the Bush tax cuts expire and who’s at risk of paying higher taxes, Kiplinger offers a free live web chat.

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Halloween Spending to Reach $8B, Consolidated Advises to Budget

Oct 11, 2012 |

Halloween is big business. Ghosts and goblins emerge in October and Trick-or-Treaters" of all ages open their wallets to spend. "

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Take Action When Student Loans Are Sold to Another Provider

Oct 10, 2012 |

Student debt is topping the $1 trillion dollar mark and long surpassed credit card debt as the most common type of balance Americans now carry.

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Should You Enroll in a Debt Management Program?

Oct 09, 2012 |

Credit card balances, student loans, auto leases and other forms of debt can balloon out of control as a result of a job loss or other big life event that diminishes income.

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Consolidated Credit, Oppenheim Law Host Seminar for Homeowners

Oct 08, 2012 |

Consolidated Credit joins forces with Oppenheim Law to host a free seminar, "What To Do If I Am Underwater" on Saturday October 13th, from 10 AM to 1 PM.

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Teaching Children Smart Credit Lessons

Oct 08, 2012 |

Most parents play an active role in teaching their children skills that will serve them well throughout their lives.

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Strategically Defaulting on Mortgage Carries Heavy Consequences

Oct 04, 2012 |

Millions of Americans currently carry negative equity in their homes, meaning their outstanding mortgage balance exceeds the value of their property.

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2012 Halloween Infographic: Tricks, Treats and Too Many Bills

Oct 03, 2012 |

Consolidated Credit looks at consumer spending trends on Halloween in the U.S. and offers helpful tips to help you keep your Halloween costs down this year.

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Consolidated Credit Advises Hispanics to Overcome Credit Card Barriers

Oct 03, 2012 |

While debt usually isn’t good for your bottom line, for some Hispanics the absence of debt translates into poor credit and loan application denials.

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Avoiding Poor Financial Mistakes Post-recession

Oct 02, 2012 |

As Americans continue to work towards recovery following the Great Recession, it’s key to take the right steps, since bad choices can ruin your finances.

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Managing Your Money While Undergoing Divorce Proceedings

Oct 01, 2012 |

Separating from a spouse and going through divorce proceedings can place an emotional and mental strain on all parties involved.

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September 2012

Student Loan Debt in U.S. Households Continues to Rise

Sep 27, 2012 |

Student loan debt continues to be a significant problem in the U.S. as nearly one in five households report carrying an outstanding balance at the end of 2010.

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How Should You Manage Your Severance Check?

Sep 26, 2012 |

Getting laid off is stressful for workers, especially those with families to support and a mortgage to pay.

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Should You Take out a Personal Loan to Pay Off Credit Card Debt?

Sep 21, 2012 |

When credit card bills are piling up, consumers having difficulties making minimum payments might consider taking out a personal loan to consolidate debt.

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Debt Collectors Use Social Media in Collection Pursuits

Sep 20, 2012 |

Facebook, Twitter, LinkedIn and other social media channels are popular ways to keeping in contact with old friends and loved ones, networking and even performing business functions.

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Women More Likely to Rack Up Debt, Consolidated Study Shows

Sep 19, 2012 |

Single women are more likely than their male counterparts to incur credit card debt, according to a new analysis conducted by Consolidated Credit.

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Consult with Professionals Before Filing for Bankruptcy

Sep 19, 2012 |

Making the decision to file for bankruptcy protection can be difficult, and legal proceedings should always be a last resort.

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Americans Focus on Saving for the Future

Sep 18, 2012 |

A growing number of Americans now say that building a healthy savings account is their priority.

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Americans Skip Medical Care to Avoid Costs

Sep 17, 2012 |

Many households that are struggling due to higher costs for daily needs typically start paring back spending on discretionary items.

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Stretching Your Income During Inflation

Sep 14, 2012 |

Gas and food prices have been fluctuating in recent months, making it difficult for consumers to predict expenses and maintain a budget.

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Poverty Rate Remains High as Household Income Falls

Sep 13, 2012 |

Stubbornly high unemployment rates are continuing to affect millions of individuals, and the long-term effects of joblessness have inhibited large improvements in the national poverty rate.

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Bouncing Back From Bankruptcy

Sep 12, 2012 |

After bankruptcy proceedings have ended, many consumers may face fears that they will never get their finances back on track or repair their credit score.

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Consolidated Promotes Fiscal Responsibility as Spending Decreases

Sep 12, 2012 |

In the face of high unemployment rates and slow growth, consumers have swiped their credit cards much less than in previous months.

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Overcoming Thousands of Dollars of Medical Debt

Sep 10, 2012 |

Medical debt can be one of the costliest obligations consumers face.

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New Survey Reveals Effective Retirement Saving Tips

Sep 06, 2012 |

Retirement is designed to be a period in which adults who have worked for decades can relax, enjoy the activities that matter most to them and spend time with family and friends.

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Determining How Much to Spend on a Home

Sep 05, 2012 |

Buyers who are shopping for a house, whether it be their first or a new home, often feel excited about the process and their new investment.

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August 2012

Questions to Ask Yourself Before Swiping Your Credit Card

Aug 28, 2012 |

Millions of Americans are managing credit card debt that was incurred due to circumstances beyond their control.

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NerdWallet features collections advice from Consolidated Credit

Aug 27, 2012 |

Consumers protection laws ensure you aren’t hassled during debt collection. Consolidated Credit talks to NerdWallet to offer tips that protect your rights.

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Avoiding Money Arguments When You Are Planning a Wedding

Aug 27, 2012 |

Many couples may assume that arguments over money may follow after their nuptials and revolve around big topics such as how to save for retirement or when to purchase a home.

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Is It Time For Plastic Surgery?

Aug 24, 2012 |

Many Americans are convinced that saving money is a waste of time. Why should they save if they can borrow money every time they need it?

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Latinos Must Be Aware of New Credit Card Charges

Aug 22, 2012 |

New legislation will allow retail stores to charge customers additional fees for credit card transactions.

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Despite modest gains, Americans still lack financial security

Aug 21, 2012 |

In the years following the recession, many consumers took steps to save more, spend less and pay off loans and credit card debt.

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Should you consolidate your debt?

Aug 20, 2012 |

When individuals have several credit cards or a variety of loans they are paying down, keeping them organized can be stressful.

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Fewer workers are living paycheck-to-paycheck

Aug 17, 2012 |

Americans appear to be improving their financial standing by employing more money management techniques and being more selective about the costly services they purchase.

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Don’t let lower home affordability deter homeownership goals

Aug 15, 2012 |

Many Americans are on the fence about whether to purchase a home, namely because a large percentage are still feeling the effects of the recession.

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TransUnion: Delinquency rates, credit balances near record lows

Aug 14, 2012 |

American borrowers improved the handling of their credit card debt in the second quarter, as both delinquency rates and balances remain near record lows, according to TransUnion.

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Lack of Education Linked to Record Levels of Debt

Aug 13, 2012 |

With an average of $45,000 in overall debt, young Americans are facing one of the toughest financial situations in history.

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Growth Slows in Q2, Consolidated Responds to Financial Concerns

Aug 01, 2012 |

As the economy grew at the slowest pace in almost a year, many consumers are worried about their financial situation.

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Young individuals don’t feel prepared for adulthood

Aug 01, 2012 |

Transitioning from a teenager to an adult is a process, and many individuals say they don't feel like they have matured into the latter as of yet.

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July 2012

Should you downsize your home?

Jul 26, 2012 |

Since home is where the heart is, it can be difficult to make the decision to downsize to a more affordable home, but it may be necessary for your financial future.

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Study shows families with a financial plan feel more confident

Jul 25, 2012 |

The end of the recession 2009 did not necessarily signal the end of financial hardship for many American families.

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Start building a strong credit profile in college

Jul 24, 2012 |

For many young adults, college is a period for studying, trying new experiences and working toward a field that will help them enter the job market with ease.

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Boomers: Protect finances during divorce

Jul 17, 2012 |

Divorcing a spouse is an emotional process at any age.

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Credit Card Debt Jumps to Highest Level in Almost 5 Years

Jul 17, 2012 |

As a result of a slowdown in job growth and a decline in consumer confidence, credit card debt reached its highest point since November 2007.

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Planning an affordable wedding

Jul 16, 2012 |

One of the last scenarios newlyweds may want to fall into is taking years to pay off debt related to their weddings.

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Latinos Should Evaluate Situation before Purchasing Health Care

Jul 16, 2012 |

The Patient Protection and Affordable Care Act, upheld by the Supreme Court on June 28, will benefit more than 9 million Latinos who lack health insurance.

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Women should take a cautious approach to retirement planning

Jul 12, 2012 |

Building an adequate nest egg is important for every American, regardless of age or gender.

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Have you fallen behind on your retirement savings?

Jul 06, 2012 |

Few things are more important for individuals than building a sufficient nest egg to carry them through their golden years.

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Americans face mortgage restrictions and rising rent

Jul 05, 2012 |

Housing costs represent a significant housing expenditure for Americans, and the effects of the recession make these expenses more financially burdensome for many Americans.

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Protect your wealth when caring for elderly parents

Jul 03, 2012 |

When parents fall ill, many children take them into their own homes so that they may provide care around the clock.

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Improve your chances of getting approved for a mortgage

Jul 02, 2012 |

Summer is in full swing and marks the beginning of the home buying season.

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June 2012

Over 90% of boomer couples provide assistance to adult children

Jun 27, 2012 |

Most parents provide some level of financial support to children during their college and perhaps even post-college years.

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New Complaint Database Allows Transparency to Consumers

Jun 26, 2012 |

Consolidated Credit is urging consumers to take advantage of a newly released public complaint database to make informed and educated decisions regarding their finances.

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Saving for the future? Go back to the basics

Jun 26, 2012 |

Most Americans know that putting away money for the future is crucial at all stages of life.

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More than one-quarter of Americans lack emergency savings

Jun 25, 2012 |

An emergency savings cushion is one of the most effective ways to avoid debt and financial ruin.

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HUD Secretary and Congressman Discuss Refinancing Solutions

Jun 22, 2012 |

HUD Secretary Donovan and Congressman Alcee L. Hastings convened a roundtable discussion to announce President Obama's proposal to underwater homeowners.

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Keep food costs low this summer

Jun 22, 2012 |

When it comes to creating a money management plan that allows consumers to cut living costs and save more money, many individuals focus on the big expenses.

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Opening a bank account for your child

Jun 21, 2012 |

Most parents understand the importance of teaching their kids smart money management skills.

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Save money on your home purchase

Jun 19, 2012 |

Buying a home is one of the most exciting events in many consumers' lives.

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Organize your finances after graduation

Jun 18, 2012 |

The first summer after graduating from college can be an exciting time for young adults.

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Study shows gender differences in money management

Jun 15, 2012 |

Each individual has his or her own way of managing their finances, with some being more responsible than others.

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Should you transfer a credit card balance?

Jun 14, 2012 |

When credit card balances become unmanageable, one of the first repayment strategies many consumers turn toward is a balance transfer.

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Steps to securing a low refinance rate

Jun 13, 2012 |

Housing costs typically take up the largest percentage of a consumer's monthly income.

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Is it time to update your finances?

Jun 12, 2012 |

During the beginning of the year, a lot of consumers channeled all of their energy into improving their finances.

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Consolidated Credit Director Attends White House Forum

Jun 08, 2012 |

Consolidated Credit Counseling Services, Inc., had the honor to attend a White House Forum to discuss recent Florida housing initiatives.

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Save money on healthcare costs

Jun 07, 2012 |

Medical balances are one of the most costly forms of debt to take on, and mounting health care bills can quickly turn into a financial and credit disaster.

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Save money after moving into a new home

Jun 04, 2012 |

New homeowners face a number of expenses early on in their time at their new residences. From paying for repairs to buying furniture, costs can add up pretty quickly. This makes saving money important.

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Steps to take after your student loan grace period ends

Jun 01, 2012 |

The grace period between graduation and the date student loan repayments begin is a nice financial reprieve for new graduates.

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May 2012

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Destination: Summer Vacation

May 29, 2012 |

Consolidated Credit offers tips to help you make a summer travel plan that fits in your budget. Learn how to reduce travel costs and avoid big expenses so you can travel for less this summer.

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Credit card balances fall, but new credit rises

May 29, 2012 |

Credit card debt is cited as one of the many reasons some households are struggling financially.

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Financial steps to take following the death of a spouse

May 25, 2012 |

No one likes to think about death, and when it involves the death of a spouse, the thought is even more unsettling.

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Common indicators that your finances are in trouble

May 24, 2012 |

Debt does not typically hit individuals all at once, and accruing large amounts is instead a gradual process.

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Reliance on credit cards remains high in the U.S.

May 23, 2012 |

In the years following the recession, many Americans have attempted to rein in spending and get their credit card debt under control.

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Homeownership remains central part of ‘American Dream’

May 22, 2012 |

While several studies have revealed that Americans' perceptions of money have changed following the Great Recession, homeownership remains a goal.

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Managing a cash windfall wisely

May 21, 2012 |

When individuals come into a large cash windfall, whether it be a work bonus, tax refund, lottery win or inheritance, the impulse to spend tends to creep up quickly.

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Unpaid Maternity Leave Sparks Financial Turmoil

May 21, 2012 |

Eighteen states received failing grades for the protection of working mothers. Financial experts advise parents in the workforce to know the facts.

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Purchasing a home after coming back from a foreclosure

May 18, 2012 |

Millions of Americans lost their homes to foreclosures, many for reasons beyond their control.

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Consider your options when struggling to pay your mortgage

May 17, 2012 |

A mortgage payment is typically the largest bill an individual pays each month, and during tough economic times, many homeowners have fallen behind on their payments.

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Are you jeopardizing retirement to help family members?

May 16, 2012 |

Families often pull together and help each other in tough financial times, and this is especially true following the recent recession.

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Making sound financial decisions with a partner

May 15, 2012 |

Money fights are one of the most common reasons for divorce, but many couples try to avoid these issues by reaching a joint money management agreements.

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Put a stop to illegal debt collection tactics

May 14, 2012 |

Receiving a call or letter from a debt collector can be frightening for individuals who are already stressed and financially burdened by medical, student loan or credit card debt.

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More households admit to having no savings

May 11, 2012 |

Many individuals struggle with two wealth-building initiatives over the course of their lives: eliminating debt and building savings.

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Declining number of bankruptcy filings may be due to rising costs

May 11, 2012 |

Consumers each year are unable to file for bankruptcy due to financial instability and rising costs. Learn the hidden fees associated with bankruptcy.

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Are you far enough along in your retirement savings?

May 10, 2012 |

After mortgage payments, credit card debt obligations and addressing day-to-day financial needs, what is left to contribute to retirement accounts?

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Prepare in advance for student loan changes

May 09, 2012 |

Student loan balances have surpassed credit card debt as the largest balances consumers carry.

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Wean yourself off excessive credit card spending

May 08, 2012 |

Many consumers get to a point in their spending when they realize they may be amassing more credit card debt than they can afford to pay off.

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Prepare for a financial separation

May 07, 2012 |

Beginning divorce proceedings can be a painful and emotional process.

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Working together to overcome financial infidelity

May 04, 2012 |

Infidelity can take its toll on relationships, but many couples fail to realize there are different types of this transgression.

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Getting ‘too comfortable’ with finances may impede growth

May 02, 2012 |

Getting into a money management routine helps you plan when to pay bills, how much to spend on groceries each week, and the amount to put toward savings.

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Consider these factors before loaning money to adult children

May 01, 2012 |

It's a natural inclination for parents to want to help their adult children when they run into financial troubles.

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April 2012

Generation Y is less financially prepared than previous generations

Apr 27, 2012 |

Each generation has certain financial characteristics that are indicative of the time they were brought up in.

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Making the decision to buy vs. rent

Apr 26, 2012 |

Housing costs typically take up the majority of a consumer's take-home pay each month.

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Don’t let medical bills ruin your finances

Apr 25, 2012 |

Medical debt can be one of the most costly types of balances to carry, as well as the most damaging to consumers' credit standing if left unpaid.

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Discuss these money factors before combining finances

Apr 24, 2012 |

Many couples may decide to combine finances and open joint credit card accounts at some point in their lives.

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Home equity vs. credit cards: Which is the better option?

Apr 23, 2012 |

When individuals are in a tough spot financially, they tend to explore all of their available credit options before turning to a traditional loan.

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Consolidated Credit Wins Financial Literacy Education Award

Apr 23, 2012 |

Consolidated Credit is proud to receive the Education in Financial Literacy Education Nonprofit Organization of the Year.

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Credit vs. debit cards: Which is the better option

Apr 20, 2012 |

When individuals are trying to get a handle on their finances and curb their debt, they may run into the common question of whether to shun credit cards altogether in favor of debit cards.

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Find creative ways to save money

Apr 19, 2012 |

For many Americans, paying off debt is their No. 1 concern.

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Excellence in Financial Literacy Education (EIFLE) Awards

Apr 18, 2012 |

Record 19 individuals and organizations honored for their dedication and commitment to promoting financial literacy education worldwide.

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Pass tough money management lessons onto kids

Apr 18, 2012 |

After the great recession, more credit counselors, financial advisors and industry professionals focused their attention on promoting financial literacy among adults.

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Downsizing housing costs

Apr 17, 2012 |

Many consumers who are facing considerable debt develop repayment plans that involve curbing spending and downsizing their living costs.

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Generation Y pessimistic about financial future

Apr 16, 2012 |

Many young adults have expressed pessimism about their ability to build a financially sound framework as a result of the economy.

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Cutting out debt before you retire

Apr 13, 2012 |

Debt can be the downfall of even the most solid retirement budgeting strategy. Consolidated Credit offers tips help you minimize debt before you retire.

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Weigh the pros and cons of balance transfer credit cards

Apr 12, 2012 |

Paying down credit card debt involves more than simply making monthly payments.

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Are you using all the debt management resources at your disposal?

Apr 11, 2012 |

Many Americans are carrying several types of credit balances, ranging from mortgages and car payments to credit card debt and student loans.

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Question purchases to curb unnecessary spending

Apr 10, 2012 |

When individuals are trying to get a handle on credit card debt, it can take a great amount of willpower to say no" to certain purchases. "

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Top signs your finances are headed down a dangerous path

Apr 06, 2012 |

Most consumers who have financial difficulties don't start out that way.

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Develop a money management strategy to avoid debt

Apr 05, 2012 |

For consumers who have been in debt before, or are just starting out and trying to avoid mistakes, the right financial tools can make all the difference.

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Weigh the pros and cons of paying bills with reward cards

Apr 04, 2012 |

Reward credit cards are a popular way to save money on necessities, such as groceries and gasoline, or earn discounts on entertainment, travel and other perks.

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Making the most out of multigenerational households

Apr 03, 2012 |

Current economic conditions have changed the way Americans think about housing.

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Financially caring for a sick child

Apr 02, 2012 |

There are few things worse for a parent than watching a child develop a serious illness or disability.

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March 2012

Celebrate National Financial Literacy Month by Clearing Out the Financial Clutter

Mar 28, 2012 |

April marks National Financial Literacy Month. Consolidated Credit helps consumers celebrate by cleaning out the clutter from their personal finances.

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Avoiding financial problems may result in additional hardship

Mar 28, 2012 |

Talking about money with family, friends and professionals can be difficult.

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Get on the same financial page before marriage

Mar 27, 2012 |

Getting married is one of the most important steps a person will take in his or her life.

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Seek counseling before falling behind on mortgage payments

Mar 26, 2012 |

The state of the economy has presented financial issues to households in several areas, ranging from credit card debt and student loans to underwater mortgages and foreclosure.

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Are you prepared for an emergency?

Mar 23, 2012 |

While you may be gaining ground on paying off their credit card debt or putting money into savings, unexpected expenses can derail your budget fast.

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Don’t jeopardize your finances when adult children move back home

Mar 22, 2012 |

The economy has taken its toll on middle-aged families and empty nesters, who may be paying down mortgages, auto loans, credit card debt and bills.

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Getting Ready to File Your 2011 Federal Income Taxes Infographic

Mar 22, 2012 |

Get ready to file your 2011 income tax returns and maximize your refund with this handy tax preparation checklist infographic from Consolidated Credit.

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Re-evaluate your budget every month

Mar 21, 2012 |

Making a budget is critical to your financial success, but you need to regularly adjust your budget to account for income and expense changes.

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Young adults: Take control of debt and savings early

Mar 20, 2012 |

Adults in their mid-20s and early 30s are at an advantage when it comes to saving for their financial goals and retirement because they have a greater deal of time than their older counterparts.

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Are housing costs becoming too heavy a burden?

Mar 19, 2012 |

Housing generally makes up the largest monthly expense consumers take on, and the current economic atmosphere may be making it more difficult for individuals to keep up with the costs of a home.

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Take quick financial action after a job loss

Mar 16, 2012 |

There are few worse feelings than being fired or laid off from a job, and when individuals lose their positions, panic over how to meet their day-to-day needs may quickly set in.

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Seek out alternatives to medical debt

Mar 15, 2012 |

Medical bills, fees and expenses are some of the most costly balances consumers may incur, and debt of this nature is one of the leading causes of bankruptcy in the United States.

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How rewarding is your rewards credit card?

Mar 14, 2012 |

Rewards credit cards can be a great way for consumers to not only boost their credit standing, but also earn cash back, points, miles and discounts to save money.

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Immigrants may face deportation if filing false tax returns

Mar 14, 2012 |

Court decision means immigrants filing false tax returns may face deportation even if they legally immigrated. We offer tax tips to avoid felony charges.

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What’s the difference between ‘good’ debt and ‘bad’ debt?

Mar 13, 2012 |

Debt is not necessarily bad. Some debt can help you achieve your financial goals. Learn how different types of debt can bolster or hinder your financial freedom.

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Planning ahead for the cost of a baby

Mar 12, 2012 |

Most new parents take smart, basic steps when they find out they're expecting, such as establishing a baby budget, making a list of the items they need and setting up doctor's appointments.

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Take advantage of tax relief programs when facing debt

Mar 09, 2012 |

Credit card debt and hefty loans can take a significant chunk out of a consumer's take-home pay.

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Think twice before co-signing a loan

Mar 08, 2012 |

Lending conditions are tight for individuals with a poor or limited credit history and many may turn to family members or close friends when they need help obtaining a loan or credit card.

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Consolidated Credit Celebrates National Consumer Protection Week

Mar 07, 2012 |

Identity theft and financial fraud cases have soared nationwide. Consolidated Credit issues warnings for National Consumer Protection Week.

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What is the ‘right’ amount of emergency savings?

Mar 07, 2012 |

Most Americans know that having an emergency savings fund to cover the costs of sudden expenses can help them avoid credit card debt and financial ruin.

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Break free of financial peer pressure

Mar 06, 2012 |

There are several factors that may contribute to an individual's debt.

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Make financial literacy a family affair

Mar 05, 2012 |

Following the Great Recession, many households took strides to overcome heavy debt, correct harmful spending behaviors and adopt healthier savings patterns.

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Continue working on financial profile after paying off debt

Mar 02, 2012 |

Paying off credit card debt and loans after a long financial struggle can bring a sense of relief and pride to borrowers.

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February 2012

Smart tips when shopping for a credit card

Feb 29, 2012 |

Credit cards can be an effective way for consumers to build a solid credit profile, earn valuable rewards and discipline their spending.

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Day-to-day living costs may be contributing to your debt

Feb 28, 2012 |

It's easy to think of debt solely in terms of credit cards and loans.

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How well do you understand your credit card agreement?

Feb 27, 2012 |

Credit card debt is one of the most common balances Americans hold, and it can also be one of the most damaging.

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Temporary ‘quick fixes’ may do more harm to finances

Feb 24, 2012 |

When adults find themselves in a tight financial bind, it's natural to want to seek out temporary solutions until they find a way to fix the problem.

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Know when to use your emergency savings

Feb 23, 2012 |

Emergency savings is one of the most effective money management strategies people can use to protect themselves sudden or unexpected expenses.

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Is lending money to family the right decision for you?

Feb 21, 2012 |

As millions struggle to get ahead of debt and financial distress, some turn to banks but others rely on borrowing from family to cover their bills.

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Build your financial literacy

Feb 17, 2012 |

Establishing a strong financial framework requires adults to accomplish a range of goals.

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Improving your personal finances before your baby arrives

Feb 16, 2012 |

Soon-to-be parents have a lot of planning to do before their new baby arrives.

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U.S. Consumer Debt Highest in 10 Years

Feb 15, 2012 |

Credit card debt rose sharply for the holidays, increasing consumer debt levels by 10%. Consolidated Credit encourages you to put a freeze on plastic.

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Mental willpower key in improving personal finances

Feb 15, 2012 |

Many people struggle when faced with the task of working to consolidate credit card debt and get their finances back in order after a difficult period.

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Negotiation may help lower your credit card payments

Feb 14, 2012 |

High-interest credit card debt is one of the most common types of balances consumers carry.

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Painless ways to squeeze more out of your income

Feb 13, 2012 |

Being shouldered with credit card debt or finding it difficult to make ends meet every month can be a stressful situation.

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Saving vs. paying off debt: which is more important

Feb 10, 2012 |

Going back and forth between saving money or paying off credit card debt can be a difficult decision because there are many merits and benefits to both.

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Young adults: navigate student loans, credit card debt

Feb 09, 2012 |

Many young adults are facing rough financial seas, and working hard to overcome a down economy.

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Avoiding debt during a divorce

Feb 08, 2012 |

Getting a divorce can be emotionally and mentally trying on spouses, and the last thing divorcing couples may want to think about is their finances during this period.

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Avoiding Cupid’s Painful Arrow in Valentine Gift Buying

Feb 08, 2012 |

Consolidated Credit looks at rising consumer spending trends for Valentine’s Day in a new infographic, with tips to help curb the costs of playing cupid.

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Experts: Know when to ask for help

Feb 07, 2012 |

Spiraling into credit card debt is a slow process.

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Affluent Americans represent majority of new credit card spenders

Feb 06, 2012 |

Consumers have had a tumultuous relationship with credit cards in the years following the recession.

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Consolidated Credit Offers Holiday Debt Hangover Tips

Feb 03, 2012 |

If you’re suffering from a debt hangover caused by high spending for the holidays, Consolidated Credit has some tips to help you reduce debt quickly.

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Customers likely to be taxed on Citi bonus airline miles

Feb 03, 2012 |

Taxes can constitute a sizable financial burden for Americans who owe money to the IRS each year.

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Consider credit counseling when your debts fall into collections

Feb 02, 2012 |

Receiving late payment notices in the mail and letters from creditors threatening legal action can be terrifying for already stressed-out consumers whose budgets are stretched thin.

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Holiday Spending – 2011 versus 2010

Feb 01, 2012 |

Consolidated Credit’s infographic looks at consumer spending trends for the holiday season in 2011 versus what was spent during the 2010 holiday season.

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January 2012

Holiday spending dwarfed all others, likely leading to more debt

Jan 31, 2012 |

Money spent on winter holiday shopping is higher than all other holidays combined. But while consumers feel more secure, are we ready for that much debt?

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Late credit card payments fell considerably in 2011

Jan 30, 2012 |

The number of credit card bills that were 60 days or more behind at the end of 2011 was down considerably from the same point in 2010, as consumers continue to reduce debt.

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Banks now clarifying more credit card agreements

Jan 27, 2012 |

In the past, consumers have run into credit trouble, because they found credit card agreements to be too confusing. But that may be changing.

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Bank of America’s Groupon competitor rewards card use

Jan 26, 2012 |

Capitalizing on the success of couponing services like Groupon or LivingSocial financial institutions like Bank of America offer rewards to cardholders.

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Consumers still lean on cash instead of credit for everyday purchases

Jan 25, 2012 |

The way people pay for small, everyday purchases has been changing a lot in the last few years. And these days, more consumers are relying on cash instead of running up credit card debt.

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National credit card fee limit may be imposed

Jan 24, 2012 |

National retailers have a legal suit against the country's largest credit card lenders and payment processors that could lead to billions in settlements.

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Credit card swipe fee limit for New Hampshire?

Jan 23, 2012 |

The New Hampshire legislature is weighing a bill that would cut the amount payment processors can charge businesses for accepting credit card purchases.

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Fourth quarter sees explosion in new cards

Jan 20, 2012 |

While consumers have been hesitant to take on credit card debt in the last several months, economic improvements have led to an increase in new accounts.

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Mobile card readers finding more ubiquity among small businesses

Jan 19, 2012 |

The number of companies using mobile credit card readers to complete transactions is growing considerably as small business owners rely on the technology.

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U.S. Consumer Debt Highest in 10 Years

Jan 19, 2012 |

As consumer credit card debt levels reach a 10-year high, Consolidated Credit advocates a freeze on credit spending so consumers can maintain control.

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Credit card debt will bounce back in 2012

Jan 18, 2012 |

Total credit card debt owed to the nation’s top six lenders is expected to increase significantly this year, reversing declines seen after the recession.

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Numerous credit card issuers loosening standards

Jan 16, 2012 |

Many credit card companies are beginning to loosen their restrictions for lending, leading to an increase in new credit card applications this year.

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Could digital cards replace physical ones?

Jan 13, 2012 |

A new method for those mobile payments has been introduced that may change the way we pay credit card bills and manage our accounts.

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Head of CFPB can expect heavy fire

Jan 12, 2012 |

President Obama has drawn fire for installing a top executive for the government agency tasked with protecting consumers from predatory lending practices.

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High-tech credit card adds additional layers of fraud protection

Jan 11, 2012 |

Having a credit card lost or stolen can be a consumer's worst nightmare, but a new company recently unveiled a new product designed to help mitigate the risk cardholders face in these instances.

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Consumers’ credit card use a boon to lenders

Jan 10, 2012 |

Burgeoning consumer optimism that the national economy is recovering has combined to boost profits for both credit card lenders and payment processors.

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Counsel Your Children on Money

Jan 09, 2012 |

Make plans to sit down and talk with your kids about money. Be honest about your personal situation but don't be negative if you are suffering through tough financial times.

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Amount borrowed by consumers climbed in November

Jan 09, 2012 |

Toward the end of every year, consumers typically borrow more, particularly on their credit cards. That trend seems to have continued in 2011, and even exceeded analysts' expectations.

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There is Help for Seniors in Debt

Jan 09, 2012 |

Not only young and middle-aged people face financial problems, so do senior citizens.

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Consumer protection bureau will focus on more financial products

Jan 06, 2012 |

CFPB recently received its first top executive thanks to a recess appointment by President Barack Obama, and is already expanding its scope.

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Experts urging caution in tackling holiday credit card debt

Jan 05, 2012 |

Millions of Americans put more on their credit cards during the holiday season compared to any other time of year.

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Citi allows cardholders to tie rewards to Facebook accounts

Jan 04, 2012 |

One of the nation's top lenders is changing the way it lets cardholders handle the rewards points they accrue. See if the Citi changes will affect you.

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Smart Spenders versus Over Spenders in Shopping with Credit

Jan 04, 2012 |

View this infographic to find out if you are a Smart Spender or an Over Spender when it comes to how you shop with credit and take on credit card debt.

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2012 Money Resolutions: Tips to Cut Costs and Dissolve Debt in the New Year

Jan 03, 2012 |

Consolidated Credit offers tips to help consumers face the financial challenges of 2012 and keep financial resolutions for the next 12 months and beyond.

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Consumer spending will likely be weak in 2012

Jan 03, 2012 |

Financial experts are now predicting that consumer spending will likely slip somewhat this year compared with the growth seen in the last quarter of 2011.

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"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
Click here to learn more.

Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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