We've collected articles and information for Consumers intrested in debt consolidation & Management, budgets, credit card debt problems, bankruptcy and some just intresting facts and experiences. The more information you know and read the better.

Credit Counseling Clients report lower levels of stress - Clients of credit counseling demonstrated improved levels of personal financial and work outcomes a year after participating in counseling.

Just Charge It! Examining the issue of credit cards and personal responsibility. - A report on the contentious issue of credit cards and personal responsibility. Who is to blame for Americans' soaring credit card debt -- the credit card industry or the individual consumer?

Credit Cards Yuppie Food Stamps - "This generation has been socialized [to feel] that it's an entitlement to have these kinds of lifestyles.

Know What You Can Afford - While credit card mailings can be tempting -- alternately offering teaser rates, rebates and rewards -- it's ultimately up to consumers to evaluate whether they are in the position to accept them.

The "Willingness-to-Pay" Factor - The credit card also has become less of a discretionary purchasing tool and more of a financial management tool.

Irrational Financial Decisions & Behavior - Consumer Credit Counseling and the lack of sophistication that we have as a society to deal with what we call consumer credit.

When the Red Flag Should Go Up - The warning signs when credit goes from being a convenience to a problem.

Reforming The Credit Card Industry Standards and Abuse - Banks are overlending and the majority of consumers are guilty of living beyond their means, how can the situation improve?

As rates rise, so do the stakes in home equity borrowing - The Federal Reserve has given homeowners a crucial factor to consider when they choose between home equity loans and equity lines of credit: rising rates.