Privacy Policy

By Bill Fay | January 23, 2018

Effective Date: January 22, 2021 This Privacy Policy (the “Policy”) describes the information LLC (“,” “we,” or “us”) collects from or about you through this website (“Site”), It also…

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About Us

By Karen Carlson | January 3, 2018

About We are a team of financial experts dedicated to helping people understand and overcome their debt. Who We Are is America’s Debt Help Organization, serving the public…

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FINRA Study Says (Some) Americans’ Financial Health Improving

By Bill Fay | July 20, 2016

American consumers say they are having an easier time paying bills and are feeling much less stress over their financial situation than they were in 2009… unless they happen to…

Happy man with a new cellphone.

Stuck With Bad Credit Score? T-Mobile Offers Some Relief

By Bill Fay | May 26, 2015

Advertisers have teased American consumers forever with deals too good to be true and today’s boasts are more enticing than ever: Zero-percent financing on a new car and some credit…

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Grace Period Ends During Holidays For Millions Of Students

By Bill Fay | November 20, 2014

Forgive Steve Simon if he doesn’t get swept up in the excitement of the holiday season this year. Simon already knows what he’s getting for Christmas. “Another notice from Navient…

Debt Glossary

By Bill Fay | August 7, 2013

Debt consolidation is a sensible solution for consumers overwhelmed by credit card debt. It can be done with or without a loan. Consolidation cuts costs by lowering the interest rate…