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CCCS of South Jersey 3073 English Creek Ave., Egg Harbor Township, NJ 08234; Appointment #: (866) 346-2227. Offers online, in-person, and phone credit counseling and establishment of debt management programs for those severly in debt.
National Foundation for Credit Counseling The nation's largest financial counseling organization, with more than 700 community-based offices located in all 50 states. More than 3 million consumers annually receive financial counseling from NFCC Member Agencies in person, over the phone, or online. To locate an NFCC Member Agency in your area call 800-388-2227.
Money Management International (MMI) is the largest nonprofit, full-service credit counseling agency in the US. They offer professional financial guidance, credit counseling, debt management assistance, bankruptcy counseling, and housing counseling assistance to consumers via phone, Internet, and in-person sessions. MMI is a member of the National Foundation for Credit Counseling (NFCC) and The Association of Independent Consumer Credit Counseling Agencies (AICCCA).
Deals are updated three times a day, and coupon codes are often checked to make sure they work. Sections for "most-used coupons" and "favorite deals" point users to the best promotions at online retailers.
Lists online coupon codes, coupons that can be printed and free samples.
Coupons.com offers as wide a variety of recent coupons as does the Sunday paper. Enter your zip code for local deals.
Kiplinger's provides a lot of free content online, including articles from their Personal Finance Magazine, business news, stock quotes, plus sections on family finance and living.
See especially their section under Personal Finance on saving and budgeting. Offers a range of useful articles like "How to Eat When You're Really Broke."
Wise Bread's motto is "Living large on a small budget," and offers information on a variety of personal finance topics. The "how-to library" offers material on how to manage your debt, select a credit card, and protect your identity.
Slickdeals.net is a free, user-driven deal sharing site which provides consumers a way to share information in order to make the best shopping decisions. Slickdeals achieves this by providing its users a forum for communication and various shopping tools.
Managing Debt and Credit
Consumer Finance Protection Bureau
Supervises banks, credit unions, and financial companies; enforces Federal consumer financial laws; and promotes consumer financial education.
Consumer's Guide: Credit Cards
A new website from the Federal Reserve, which summarizes new credit card protections. Offers interactive tools for users to learn about the terms/ fees of credit card offers, and about the new features of monthly statements.
Addresses and links to the major credit bureaus along with advice on how to settle disputes, what to do with a less than perfect credit score, and how to improve your credit.
Credit Repair: How to Help Yourself
The Federal Trade Commission (FTC) issues this fact sheet for consumers on how to repair your credit yourself, saving some money, and saving yourself from a possible scam. In reality, there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, effort, and sticking to a personal debt repayment plan.
Debt.org is America’s Debt Help Organization, serving the public with accessible information on financial well-being. Our goal is to serve as the only debt and financial resource you need. All members of our team are Debt Specialists and Credit Counseling Specialists, certified by the International Association of Professional Debt Arbitrators. Our most-used strategy is debt settlement; in this approach, we negotiate with creditors on behalf of clients to have total debt amounts reduced. Debt management programs are also offered; these programs consolidate monthly payments and typically reduce interest rates. If you need immediate debt assistance, complete a contact form today, or call (877) 359-8091 for free personalized help.
NJ Dept of Banking and Insurance Licensed Debt Adjustors
Provides a listing of State licensed debt adjusters that may provide debt adjustment.
Smart about Money
Site from the National Endowment for Financial Education that helps people make sound financial decisions.
Allows users to compare mortgage loans, home equity loans, credit cards, money market account rates, auto loans and CD rates. Also includes ratings for banks, thrifts, and credit unions; plus articles and videos.
Compare the best credit cards and apply online.
Financial Literacy Now
Learn about personal finance and how to manage your money including student loans, mortgages, and retirement planning. Understandable articles, plus calculators, charts, tutorials, and games.
Money - U.S. Government Consumer Information Center
The Money section of the U.S. Government Consumer Information Center offers online pamphlets on money, credit, purchasing over the internet, and investing wisely.
U.S. government's website devoted to teaching the basics about financial literacy. Popular topics covered include: Managing Debt and Credit, Mortgages, Obtaining a loan, Saving & investing, Getting insurance, Knowing Consumer rights, and Scams/Fraud.
Smart about Money
Site from the National Endowment for Financial Education that helps you make sound financial decisions.
Free Annual Credit Report
Request a free report from AnnualCreditReport.com, OR by calling 1-877-322-8228, OR by filling out the Annual Credit Report Request form and mailing it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can request all three reports (i.e. Equifax, Experian and TransUnion) at once or get them one at a time; by requesting the reports separately, you can monitor your credit more often. This information is provided by the Federal Trade Commission at http://www.consumer.ftc.gov/articles/0155-free-credit-reports
FREE CREDIT SCORE
Credit Karma provides truly free credit scores to consumers direct from the credit bureaus. Your scores are retrieved securely with no hidden fees. Must create a free account with Credit Karma in order to obtain the score.
Identity Theft in New Jersey
New Jersey helps prevent identity theft from happening and, if it does, helps people to repair the damage.
IdentityTheft.gov is the federal government’s one-stop resource for identity theft victims. The site provides streamlined checklists and sample letters to guide you through the recovery process.
Visit ftc.gov/idtheft for prevention tips and free resources to share in your community.
Offers a variety of budgeting worksheets, including Daily Spending Diary Worksheets, Monthly Payment Calendar and Schedule, and Income and Expenses Worksheets.
Managing Your Money (Worksheets)
This packet includes a set of worksheets to help you manage your family income, debt, major expenses, and fixed and other expenses.
How to File Chapter 7 Bankruptcy
Chapter 7 bankruptcy is a court-supervised process that allows individuals to eliminate their personal liability for most types of debt and get a fresh start. It is also the most common type of personal bankruptcy.
The purpose of this site is to provide basic information about the key forms and procedures involved in filing for Chapter 7 bankruptcy; it's designed to be a general guide. In addition to the forms listed here, each bankruptcy jurisdiction also has its own local forms, rules, and procedures you must follow to successfully complete your case. Since bankruptcy laws can be extremely complex, consider talking to a knowledgeable bankruptcy attorney in your area prior to filing your case.
How to File Chapter 13 Bankruptcy
Chapter 13 bankruptcy, also called the wage earner's bankruptcy or reorganization bankruptcy, is one of the two most popular types of consumer bankruptcies (the other is Chapter 7 bankruptcy). In Chapter 13 bankruptcy, you keep your property and repay some or all of your debts over a three or five year period. What debts you repay, how much you pay each month during the repayment period, and what happens to your debts at the end of your case is all laid out in your Chapter 13 repayment plan.
Chapter 13 bankruptcy is often a good choice for people who want to keep property that they would otherwise lose in a Chapter 7 bankruptcy. And because you can make up arrearages in your repayment plan, Chapter 13 is often the only bankruptcy choice that will allow you to keep your home if you are facing foreclosure. However, keep in mind that Chapter 13 bankruptcy is a complex process and very few individuals who file on their own succeed. It’s advisable to hire an attorney to represent you in the process, or at the very least, talk to a knowledgeable bankruptcy attorney prior to filing your case.