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Follow #NFCCtips as we discuss Credit Counseling 101!  Make plans to join our #NFCCtips Twitter Chat on Thursday, July 26th at 3pm EDT as we discuss Credit Counseling 101! There will be 3 chances to win an Amazon gift card!  1-$75 Amazon gift card 2-$50 Amazon gift card 3-$25 Amazon gift card Use #NFCCtips to participate. For an easy way to keep track of the conversation, try using our tchat.io chatroom. Questions we’ll discuss: Q1: …Read More

Avoiding Tech Support Scams

You’re working on your computer when, suddenly, a message pops up on the screen: “Virus detected! Call now for a free security scan and to repair your device.” That’s a tech support scam. Don’t call, text, or email. Legit tech support companies don’t operate that way.   Scammers pose as big-name companies and use pop-up messages, fake websites, and phone calls to trick you into thinking your computer has an …Read More

How to Fund Your Summer Side Hustle

Somewhere in the nebulous realm of part-time jobs and freelance gigs lies the side hustle, a general name for money-making projects you complete in your spare time.   A quick web search can give you literally hundreds of side hustle ideas, from the simple and quick — like taking paid online surveys — to those requiring a little more time and energy, such as becoming an Amazon seller.   But …Read More

Improving Your Chances for Successful Student Loan Refinancing

Student loan debt is a common component of earning a college degree for many graduates. In fact, the latest statistics highlight the growing number of college graduates with student loan debt, many of which leave school with nearly $30,000. Regardless of the amount, student loan debt can be a financial burden that lasts for several decades.   There are many ways to handle this debt, and nearly all come with …Read More

Rebecca Steele Named as NFCC President and CEO

The National Foundation for Credit Counseling is pleased to announce that Rebecca Steele has become the new President and CEO. Rebecca is a proven leader with extensive executive-level experience in retail financial services and mortgage lending with major financial services companies.  She brings a renewed consumer focus to America’s largest and longest serving nonprofit dedicated to financial empowerment, with more than 20 years of experience in managing some of the nation’s largest and complex residential mortgage banking businesses.   Along with her …Read More

Survey Finds Small Businesses Have Major Growth and Increased Hiring Plans

Expansion is on the agenda for small business owners (SBOs) in 2018, with more than half anticipating revenue growth and 22 percent planning to hire staff, according to the 2018 Small Business Survey conducted by TD Bank, America’s Most Convenient Bank®. Last year, 46 percent of business owners expected to increase revenue and just 9 percent had plans to hire.   To help fuel this growth, credit needs also significantly increased …Read More

Truth in Lending: Three Main Statutes that Protect Consumers

To protect consumers, some protections and laws have been put in place. Below we discuss three that pertain to debt collection, telemarketing, and fair credit reporting practices. What is the Fair Debt Collection Practices Act (FDCPA) The Fair Debt Collection Practices Act (FDCPA) is the federal law that governs how third-party debt collectors attempt to recover debts owed by consumers on behalf of another person or entity. The law dictates …Read More

Helping Your Family to Best Use Life Insurance Money After You’re Gone

Life insurance is a staple of financial planning conversations, and despite decreases in purchase rates, 59% of Americans own this important product, according to LIMRA’s annual survey. The reasons people purchase coverage are incredibly varied, and many people have multiple financial intents that influence their decision, but some of the most common are related to replacing income, leaving an inheritance and paying for key expenses, such as a mortgage. In …Read More

Join Our #SmallBizMoney Twitter Party on Monday, July 16th at 3pm ET for a Chance to Win Prizes!

Follow #SmallBizMoney as we discuss How to Plan and Budget During the Slow Months for Small Business Owners!  We will be joined by @JayDesMarteau of @TDNews_US! Make plans to join our #SmallBizMoney Twitter Chat on Monday, July 16th at 3pm EDT as we discuss Small Business Owner Tips, Tools, and Resources for Budgeting for the Slow Months! There will be 2 chances to win an Amazon gift card!  1-$50 Amazon gift …Read More

#AskanExpert: What Happens If You Pay All But One Credit Card?

Q. What will happen if I do not pay off one American Express credit card? I have three other credit cards that I am currently paying off, but American Express wants $5,000 paid all at once. Dear Reader, It is hard to adequately predict what will happen if you do not pay your American Express card. However, I can tell you what to expect in general terms. If your American …Read More