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FEATURED STORIES

	Credit cards settling more debts They're writing down delinquent balances if cardholders will pay the rest of what they owe right away.
	How to avoid foreclosure President Obama's Making Home Affordable program has become the first choice for modifying or refinancing troubled mortgages.
	When to walk away from your home There are eight reasons it might be time to accept the inevitable, cut your losses and let the bank foreclose.
	How to land a job despite bad credit More companies are checking, and rejecting, job candidates with a record of unpaid bills and debts.
	Is bankruptcy right for you? These 6 simple questions will help you decide whether your financial problems are so severe they can't be fixed any other way.
	How to get debt collectors off your back Our 10-step plan explains how they work and the best way to deal with them. They'll often go away for pennies on the dollar.

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THE LATEST NEWS

	Refinancing aid expands to more borrowers WASHINGTON -- The government will allow more distressed borrowers who owe more than their homes are worth to be eligible for refinancing assistance under an Obama administration housing rescue program.
	P2P lending flourishes during credit crisis Jun. 30--"Twebster302" needed $1,200 for a root canal.
	Drowning in student loan debt? Help's here Jun. 25--Thousands of college graduates across the country will be able to get some relief from their student-loan bills under a new federal program that goes into effect July 1.
	Democrats urge more to stop foreclosures WASHINGTON - Democrats are pressing the Obama administration to find a way out of the foreclosure crisis as they moved ahead with plans to create a government agency that would police the market for risky or deceptive mortgages.
	Lost jobs forcing more out of homes WASHINGTON -- The nation's foreclosure crisis -- once largely confined to only a few corners of the country -- is spreading to new areas as the economy teeters.
	No-interest loans help small businesses Jun. 21--Small businesses can take out interest-free loans of up to $35,000 to pay down existing debts.

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LATEST TIPS

	More employers checking credit histories It's perfectly legal as long as you're informed, but it could cost you a job.
	Medical bills cause 62% of all bankruptcies It's not credit card debt but big hospital and doctor bills that are sending more Americans into bankruptcy court.
	Debt collectors continue to break the law New York attorney general finds multiple examples of illegal tactics.
	Credit counselors can help with bigger debts Credit card companies will now accept debt management plans with smaller payments over a longer period of time.
	Banks are bailing on foreclosures The cost of maintaining and selling vacant homes can make it cheaper for banks to walk away.
	Citigroup allows jobless to skip payments The bank hopes to help recently unemployed homeowners who've fallen behind on their mortgage payments save their homes.

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BAD CREDIT CALCULATORS

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How much do you owe?
Total your debts. Devise a repayment plan.

Pay off your credit cards
Find the fast, cheap way to a $0 balance.

Get out of debt faster
Develop an accelerated repayment plan that consolidates your consumer debt into a single loan.

Cut costs with a cash-out refi
See how much you can save by consolidating auto and credit card debt into a new mortgage.

Consolidate your student loans
Forecast the savings and how it can be used to payoff credit cards and other high-cost loans.

Mortgage calculator
Calculate payments for any fixed-rate loan.

How much must you earn?
Determine the minimum income you’ll need for the mortgage you want.

How much home can you afford?
Figure out how much you can borrow based on how much you make and how much you owe.

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WORK SHEETS

	Fix credit report mistakes Use this form letter to dispute errors.

	Change the name on your credit report Just fill in the blanks on this form letter.

	Dealing with debt Take a comprehensive look at all your bills and develop a plan to pay them off.

	Transferring credit card balances Here’s all the information you’ll need to ensure a smooth transition to a new card.

	Ask for a lower rate on your credit cards Follow our script and record the results of every conversation.

	"No more late fees" work sheet Keep track of when your credit card bills are due, how much you owe and how much you've paid.

	4 steps to cancel a credit card This work sheet walks you through the process of closing an account without denting your credit score.

	What to tell the credit card company This form letter covers all the legalities for closing an account and informing the credit reporting agencies.

DASHBOARDS - TODAY'S RATES AND TRENDS

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BAD CREDIT Q & A

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Q.	Can collection agencies charge interest and fees on credit card debt they've purchased?

Q.	Will Obama's foreclosure prevention plan hold my mortgage payments to 31% or less of my gross income?

Q.	I can't sell my house and I can't afford the payments. Would a short sale work?

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7/4/2009 8:23:02 PM

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