Hardship programs may lower your APR or payments for a limited time, usually with an account freeze or lower credit limit. You may have to prove the hardship and share a simple budget to work out ...

Rebecca Lake is a certified educator in personal finance (CEPF) and a banking expert. She's been writing about personal finance since 2014, and her work has appeared in numerous publications online.

After an initial evaluation, a counselor will advise you on the best course of action to tackle your debt, whether you need general personal finance advice, bankruptcy counseling or something else.

Many Americans—about half—carry credit card debt from month to month, and about 53 percent of them have been in debt for more than a year, according to a survey by Bankrate.com. Households with credit ...

Credit counseling provides education to help eliminate your debt with better money management. Credit counselors help craft a monthly budget, outline action steps that’ll improve your credit profile ...

Finding a financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to three fiduciary financial advisors that serve your area in minutes. Each advisor has been vetted by ...

Americans now owe nearly $5 trillion in non-housing debt, according to the Federal Reserve Bank of New York, a sum that’s increased more than 60% over the past decade. As our debt has grown, so has ...

It's a payment plan, negotiated via your issuer, that may temporarily lower interest and waive fees when a difficult circumstance hinders your ability to pay. Many or all of the products on this page ...

Holly Johnson is a credit card expert and writer who covers rewards and loyalty programs, budgeting, and all things personal finance. In addition to writing for publications like Bankrate, CreditCards ...

American Consumer Credit Counseling (ACCC) is a nonprofit organization that provides credit counseling and debt management services to consumers nationwide. It also offers specialized counseling for ...

Many Arizonans still struggle to make ends meet and dig out from under mountains of debt even as jobs are plentiful and unemployment in metro Phoenix has eased to 2.7%. Those struggles could get worse ...