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Debt Management
and Credit Counseling
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| ICFE
Points Out the Dangers of Universal Default
with a New Online PowerPoint Show Available Free
San Diego,
CA. - Universal default, a dangerous adverse action against
a borrower, is still largely an unknown, inconvenient fact
among consumers. Universal default is a clause included
within most credit card offers and agreements which says
if you are late with any other creditor; you are considered
late with them all. The ICFE was the first nonprofit group
to speak out against universal default and its negative
affects on consumer credit scores in October 2003.
The San
Diego based, nonprofit, Institute of Consumer Financial
Education (ICFE) is pleased to make available on-line,
a free 26 slide PowerPoint presentation, designed to help
explain universal default and what happens when a creditor
invokes the clause against a borrower...Read More
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 Getting
out of debt takes a lot of planning, discipline and sometimes
changes to your spending habits. It is important for a person
to realize they are in debt and are seriously willing to eliminate
that debt. Here are few suggestions to reduce
and possibly eliminate your debt. |
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 Consumer
Resources
Do you know your credit
reporting agencies and how to contact them if you have a problem?
Would you like access to a practical self paced money management
online workshop?
Visit our consumer resources
Kids
and Money
This section provides valuable links to websites and tools that
help children learn about money, allowances and budgeting.
A Fun way to learn!
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Free
Financial Workshops and Seminars
 We
give free financial seminars that cover
most topics on debt management. Contact us to schedule your free
financial educational community workshop and seminar. More
Info
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| Spenders
Quiz |
| Do
you hear 'spend, spend, spend' when your money talks? You may
be one of those consumers who later discover themselves in a
nightmare of debt instead of living the American dream. Here
is a short evaluation to help you determine
if you are an over spender. |
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| For
more information on consumer credit counseling, debt education
and debt management, you may contact us by calling 1-800-790-3882
or Click here for a FREE debt
management analysis. |
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Find
valuable consumer information on our
The
A
debt management tip for
setting up a spending-plan include listing on a separate
sheet of paper all sources of monthly income including gifts,
bonuses, tax refunds, cost of living increases, dividends
and interest income, etc. 
