Debt Management

One in 5 Americans regret most of their financial decisions. Our survey reveals the most regretted purchases, investment decisions, and more.

ConsumerAffairs Research Team

Are you considering bankruptcy to remove debt? Learn about the pros and cons, the different types and the steps to filing for bankruptcy.

David Chandler, Ph.D.

Wondering if a debt management plan is right for you? Find out debt management plan pros and cons, costs, program lengths and more on ConsumerAffairs.

Emma Simon

Are you faced with bill collectors? Learn your legal rights and find out how to improve your credit score after a debt has gone into collections.

Darryl Specter

Debt consolidation is a way of combining and reducing debt. Learn how it works, if it hurts your credit, how to consolidate debt and alternatives.

Barbara Friedberg

From budgeting to credit counseling, follow these 5 steps to get out of credit card debt. Also, learn the 4 best ways to consolidate credit card debt.

Barbara Friedberg

Need help getting out of debt? Learn about debt relief and how it works. Compare the best debt relief programs to find the plan that works for you.

Barbara Friedberg

Starting a new job soon? You should know that the W-4 for 2020 is totally different from the form in previous years. Here’s how to fill it out.

Amelia York

Choosing the right credit counselor can help you get back on track financially. Here are steps to take before picking a credit counseling agency.

Emma Simon

What’s in a credit score? Find out the five major factors that impact your credit score and get tips on how you can improve your credit score.

Emma Simon

From removing negative marks to increasing your credit limit, follow these 9 steps to improve your credit score and regain financial independence.

Jessica Render

Build your credit from scratch with secured cards, credit builder loans, rent reporting and more. Read the full list and start building credit today.

Jessica Render

Need to make a federal income tax payment plan? Find out how to set up installment payments to the IRS in 7 steps. The worst thing you can do is wait.

Kathryn Parkman

Use our step-by-step guide to get out of debt: Know what you owe. Pick a repayment plan. Consider consolidation. Settle debt. Rebuild your credit.

Kathryn Parkman

Find the best student loan refinancing and consolidation companies. Read hundreds of customer reviews. Compare student loan consolidation vs refinancing options.

Barbara Friedberg

Tax relief study shows consumers in NY, DE and CT need the most help. Determining factors include state taxes and web search trends.

Emma Simon

Credit is the ability to borrow money with an agreement to pay it back later. Learn the types of credit and how it could affect your financial future.

Jessica Render

Curious about how tax rates have changed over the last few years? Learn about how federal income tax brackets work and see tables from 2017 - 2020.

Carrielle Sedersten

Debt forgiveness can erase all or some of your debt, but not all debt qualifies. We cover how it works, how to qualify and alternative debt solutions.

Carrielle Sedersten

Did you receive a letter from the IRS? Scared of what it might say? Find out what the letter means and what to do about it in 3 steps.

Tom Rains

Do you have unfiled tax returns? From gathering your tax documents to submitting forms, learn how to file back tax returns in 3 simple steps.

Tom Rains

Wondering what the standard deduction is and how it works? Compare standard deductions from the last few years and learn what happens after 65.

David Bartle

Excise tax applies to certain products and services, cigarettes, alcohol, gasoline and gambling. Learn more about excise taxes on ConsumerAffairs.

Amelia York

Curious how capital gains taxes work? Learn about the difference between long- and short-term capital gains taxes plus rates for 2019 and 2020.

Amelia York

Adjusted gross income is your income minus adjustments like student loan interest and retirement contributions. Learn how to calculate your AGI.

Leorah Gavidor

Over 50K+ customer reviews to help you find the best debt settlement companies of 2019. Use our guide to compare repayment terms, fees and more.

Emma Simon

Are you eligible for student loan forgiveness? Find out if you qualify for one of these student loan forgiveness, cancellation or discharge programs.

Emma Simon

Looking to reduce monthly costs and get out of debt? Use our guide to find the best Portland debt relief companies. Compare services and set up consultations.

Sandi Pope

Need debt relief? Use our guide to find the best Cincinnati debt consolidation and settlement companies. Compare strategies and set up consultations.

Tom Rains

Looking for credit repair services? Compare the best Houston credit repair companies to fix your credit fast. Get a free consultation and money-back guarantee.

Kathryn Parkman

Have bad credit? Compare the best credit repair companies in Kansas City to improve your score the right way. Plus, learn about credit repair regulations.

Kathryn Parkman

Need credit repair services in Atlanta? Use our guide to compare the best credit repair companies and lawyers to improve your score.

Kathryn Parkman

Looking for credit repair solutions? Compare the best Orlando credit repair services with free consultations and money-back guarantees.

Kathryn Parkman

Looking for debt relief? Compare the best debt consolidation and settlement companies in Atlanta to get a strategy and reduce your rates.

Sandi Pope

Need help fixing your credit? Find the best Sacramento credit repair companies. Compare monthly costs, credit repair services offered and more.

Kathryn Parkman

Compare the best Indianapolis credit repair companies to dispute inaccuracies with major credit bureaus. Plus, learn how to spot a scam.

Kathryn Parkman

Use our guide to compare the best Tulsa tax relief companies and tax attorneys to get help catching up on your unfiled and unpaid taxes.

Tom Rains

Struggling to pay your taxes? Compare the best San Antonio tax relief companies that will help you negotiate with the IRS and manage your back taxes.

Tom Rains

Owe back taxes to the IRS? Compare the best Pittsburgh tax relief companies to help you work with the IRS and manage your tax debt.

Tom Rains

In trouble with the IRS? Use our guide to compare the best Houston tax relief companies. Find one with highly skilled tax attorneys and CPAs.

Tom Rains

Behind on paying your taxes? Compare the best Los Angeles tax relief companies and tax attorneys to help you manage your IRS debt.

Tom Rains

Are you behind on your taxes? Use our guide to compare the best Las Vegas tax relief companies that can help you manage your tax debt.

Tom Rains

Are you in tax debt? Use our guide to compare the best Milwaukee tax relief companies and tax attorneys to get help negotiating with the IRS.

Tom Rains

In tax debt to New Mexico or the IRS? Use our guide to find Tax attorneys and CPAs at the best Albuquerque tax relief companies to help you manage your tax debt.

Tom Rains

Owe back taxes and under pressure from Colorado or the IRS? Compare the best Denver tax relief companies that have qualified attorneys and CPAs who can help.

Tom Rains

Owe back taxes to the IRS? Use our guide to find tax attorneys and CPAs at the best Atlanta tax relief companies. Compare reviews, services and results.

Tom Rains

Behind on your taxes? Use our guide to find the best tax relief companies in Cincinnati. Compare qualifications, reviews and track record.

Tom Rains

Compare the best Austin tax relief companies that have tax attorneys and CPAs on staff to help you manage your back taxes and deal with the IRS.

Tom Rains

Behind on back taxes? Not sure what to do? Use our guide to compare the best Indianapolis tax relief companies and tax attorneys that can help.

Tom Rains

In tax debt to Florida or the IRS? Compare the best Orlando tax relief companies that can research your case and find a debt-free solution.

Tom Rains

Need help with tax debt? Find the best Dallas tax relief companies that can help negotiate with the IRS and Texas to reduce or eliminate your taxes.

Tom Rains

Find the best Chicago tax relief companies that have the knowledge and experience to negotiate with the IRS and help you manage your tax debt.

Tom Rains

In debt to Missouri or the IRS? Use our guide to learn how tax attorneys and CPAs at the best tax relief companies in Kansas City can help.

Tom Rains

Got tax debt? Find the best tax relief companies in Sacramento that help people remove IRS penalties, create payment plans and negotiate settlements.

Sandi Pope

Back taxes? Unfiled tax returns? Find the best Portland tax relief companies that have tax attorneys and CPAs who negotiate a resolution with the IRS and Oregon.

Sandi Pope

Having trouble with payments? Use our guide to compare the best debt relief companies in Indianapolis to get lower interest rates.

Sandi Pope

Use our guide to find and compare the best debt relief companies in Albuquerque. Learn how to get lower interest rates and settle debt.

Sandi Pope

Overwhelmed by debt? Our guide can help you find the best debt relief companies in Dallas to lower your interest rates and manage debt.

Sandi Pope

Falling behind on payments? The best debt relief companies in Pittsburgh can be compared using our guide. Get lower interest rates and save money.

Sandi Pope

Need help with your debt? Find the best debt relief companies in San Antonio to help restructure and reduce your debt so you can regain financial freedom.

Sandi Pope

Feeling overwhelmed with debt? Use this guide to find the best Tulsa debt consolidation and settlement companies to get debt relief.

Sandi Pope

Struggling with debt? Use our guide to compare the best Kansas City debt consolidation and settlement companies. Get help restructuring and reducing your debt.

Sandi Pope

Are you in debt? Check out our guide of the best debt relief companies in Denver for debt consolidation and settlement. Compare debt relief strategies today.

Sandi Pope

Are you in debt? Use our guide to find out which Chicago debt relief companies offer the best debt consolidation and settlement options.

Sandi Pope

Need debt relief? Find the best Houston debt consolidation and settlement companies. Compare debt management strategies and set up consultations.

Sandi Pope

Need debt relief? Use our guide to compare the best debt consolidation and settlement companies in Austin to lower your interest rates.

Sandi Pope

Need a strategy for debt management? Use our guide to find the best Sacramento debt relief companies for debt consolidation and debt settlement.

Sandi Pope

Burdened by credit card debt? Use our guide to compare the best debt consolidation and settlement companies in Milwaukee to reduce what you owe.

Sandi Pope

The best debt relief companies in Las Vegas offer solutions including debt settlement and debt consolidation. Find out if you qualify using our guide.

Sandi Pope

Need debt relief? Use our guide on the best Los Angeles debt consolidation and settlement companies to compare options and gain financial freedom.

Sandi Pope

Feeling burdened by debt? Read our guide to find the best Orlando debt consolidation and settlement companies to get debt relief and see if you qualify.

Sandi Pope

Looking for credit repair services near you? Compare the best San Antonio credit repair companies to dispute inaccuracies on your credit report.

Kathryn Parkman

Need to fix your credit? Compare the best Albuquerque credit repair companies with free consultations and custom plans to improve your credit score.

Kathryn Parkman

Want to improve your credit score? Compare the best credit repair services in Dallas-Ft Worth. Plus, learn how to spot a credit repair scam in Texas.

Kathryn Parkman

Need help fixing your credit score? Find the best credit repair companies in Chicago, Illinois. Compare monthly cost, fees and more.

Kathryn Parkman

Need help fixing your credit score? Use our guide to find the best Austin credit repair companies. Compare fees, monthly costs, services and more.

Kathryn Parkman

Do you have bad credit? Find the best Las Vegas credit repair companies to dispute inaccurate information. Compare monthly costs, fees, services and more.

Kathryn Parkman

Compare the best Denver credit repair companies to help fix your credit fast. Plus, learn about Colorado regulations and how to spot a scam.

Kathryn Parkman

Need help fixing your credit? Compare the best Tulsa credit repair companies to dispute inaccuracies with all major bureaus. Plus, learn tips to spot a scam.

Kathryn Parkman

Researching credit repair? Compare the best Pittsburgh credit repair companies. Plus, learn how to spot a credit report scam in Pennsylvania.

Kathryn Parkman

Researching credit repair? Compare the best Cincinnati credit repair companies to fix your credit the right way. Plus, learn how to spot a scam.

Kathryn Parkman

Need help fixing your credit in LA? Compare the best credit repair companies to dispute inaccurate items on your credit report. Plus, tips to spot a scam.

Kathryn Parkman

Credit problems? Compare the best Portland credit repair companies to start fixing your credit with a free consultation. Plus, learn how to spot a scam.

Kathryn Parkman

Looking for help fixing your credit score? Find the best Milwaukee credit repair companies to dispute credit reporting errors. Compare cost, guarantees and more.

Kathryn Parkman

Over 5K+ customer reviews to help you find the best credit counseling agency. Use our guide to compare services, resources, debt programs and more.

Barbara Friedberg

National Debt Relief and Freedom Debt Relief are both top providers of debt settlement services. We compared them side by side, so you don’t have to.

Jessica Render