Chapter 13 bankruptcy is called a wage earner’s plan. You can repay your debts over 3 to 5 years.

Even if the caller ID says the call is from a bank, it could be a scam. Hang up and call the phone number from the bank’s legitimate website. Do not give the caller any information about yourself.

If you are looking to buy a house, you may be able to get an FHA loan with a lower down payment. See this website:

Here is a list of Banned Debt Collectors:

As of now, the mortgage rate is 6.23% for a 30-year fixed-rate mortgage. See:

You may need to have more taxes taken out of your paycheck if you owe the IRS taxes. Use this calculator to see how much you should have taken out:

A car title loan is based on the value of your car. The loan can be very expensive. See:

A cashiers check is safer than a personal check. It is guaranteed by a financial institution, such as a bank. The check is guaranteed not to bounce.

If you are trying to build your credit score with credit cards, make sure your payments are on time. Missed payments and late payments will bring down your credit score.