Howard Dvorkin
I’m a certified public accountant who has authored two books on getting out of debt, Credit Hell and Power Up, and founded Consolidated Credit, an organization that has helped more than 5 million people climb out of credit card debt. Everyone should have a reason for living that’s bigger than themselves, and besides my family, mine is this: Teaching Americans how to live happily within their means. To me, money is not the root of all evil. Poor money management is. Money cannot buy happiness, but going into debt always buys misery. That’s why I launched Debt.com. I’m glad you’re here.
How Can I Stop Sweating About My HVAC Loan?
July 19, 2017
A reader declared bankruptcy, but her air conditioning unit is the real problem now.
You’re More Likely To be A Victim Of This Crime If You Have Less To Steal
July 17, 2017
If you’re deeply in debt and have no money for anyone to steal, you’re wrong.
How Can I NOT Be a Victim Of Identity Theft?
July 12, 2017
This week: After her bank account is riddled with fraudulent checks, she wonders: Is anyone safe?
Make Money By Being Disloyal — To Your Credit Card
July 10, 2017
Your loyalty program isn’t saving you money, and it’s your fault.
Will I Make More Money Buying A House Or Paying Off My Credit Cards?
July 5, 2017
A reader and her husband want a new house, but they don’t want old debt, either.
This Scholarship Winner Is No Joke
July 3, 2017
John Pawloski is making a career change you’ll never believe.
Will Bankruptcy Keep Me From Buying A Car?
June 28, 2017
A reader went bankrupt, and now years later, she needs a new set of wheels.
Debt News You Probably Haven’t Heard — But Should
June 26, 2017
This week: clueless about student loans, passionless about work, passionate about boycotts.
How Friendly Is The IRS? Will They Work With Us?
June 21, 2017
This week: A reader needs to rely on the kindness of the IRS. Believe it or not, that can work.
How One Of the 10 Commandments Can Predict Your Debt
June 19, 2017
If you break this Commandment, you’re probably broke.
How Do I Stop Being a Co-Signer On A Student Loan?
June 14, 2017
A reader wants to know how to stop being financially responsible for someone else’s debt.
How The Government Adds To Student Loan Debt When It Tries To Lower It
June 12, 2017
What happens when an obscure lawsuit sways a federal judge? Chaos.
Is It Legal For Debt Collectors To Ring My Doorbell?
June 7, 2017
This week: A reader asks about debt collectors, repo men, and “Fonzi” schemes.
Here’s How To Lower Your Homeowners Insurance By Two-Thirds [map]
June 5, 2017
It’s not as simple as it sounds, but also not as hard as it looks: Raise your credit score.
How Do We Prepare For The Next Recession?
May 31, 2017
A reader agrees with her husband: A recession is coming. They don’t agree on what to do about it.
What You Can Learn About Money From A Commencement Speech
May 29, 2017
Here are six lessons not only for new grads, but for everyone.
Can Volunteer Firefighters Get Student Loan Forgiveness?
May 24, 2017
A reader wants to know if you need a real job to get real debt relief.
Can “Debt Tech” Robots Keep You From Going Broke?
May 22, 2017
With self-driving cars already taking to the road, is it so far-fetched to think robots can keep you out of debt?
What REALLY Happens If You Don’t Pay Your Taxes?
May 17, 2017
A reader fears for her boyfriend’s future — and her own.
Good And Bad News About Recession 2018
May 15, 2017
The economic recovery is literally one step forward, one step back.
Can The United States Help Me Get Out Of Debt When I’m Abroad?
May 10, 2017
A reader has as much debt as income. He’s out of the country. Can he still get out of debt?
What 10-Year-Olds Know About Money That You Don’t
May 8, 2017
Are kids today financially smarter than previous generations?
Ask The Expert: How Do I Hide Debt From My Girlfriend Till We Get Married?
May 3, 2017
A reader is looking for a “hack” to avoid telling his girlfriend the truth.
How To Win A Scholarship: Apply 63 Times
May 1, 2017
Caitlyn Remick knows how to dress up — and save up.
Ask The Expert: Should We NOT Send Our Son To College?
April 26, 2017
A reader and his wife are arguing about college for their son.
Who Cares About Financial Literacy Month?
April 24, 2017
It’s just another manufactured holiday. It doesn’t matter. Right?
How Do We Save For Retirement And Pay All Our Bills?
April 19, 2017
A reader wants to know how to survive “the sandwich” — without evicting his mother-in-law.
The Most Depressing Headline I’ve Seen This Year
April 17, 2017
You’ll never guess what it is, because you probably haven’t heard about it yet.
Ask the Expert: Are Debt Management Plans Legit?
April 12, 2017
A reader wonders if the letters DMP are A-OK.
What Happens When Researchers Team Up? This.
April 10, 2017
Turns out you can learn a lot more when you join forces. Here are some surprising results of this new trend.
Ask the Expert: How Sick Is This Form Of Identity Theft?
April 5, 2017
A reader thinks his identity was stolen from an urgent care center. Now what?
It’s Financial Literacy Month. Give Yourself Some Credit! [VIDEO]
April 4, 2017
This month, Debt.com answers all your questions – in under a minute.
How Working Too Hard Can Drive You Into Debt
April 3, 2017
You’ve heard the term, “work smarter, not harder”? Try “work less, save more.”
Ask the Expert: Jump On The Trump Train?
March 29, 2017
This week: A reader wants to dive into the stock market and clean up. But is he making a mess?
3 Little But Fascinating Financial Facts
March 27, 2017
Here are some recent news nuggets that, taken together, may make a larger point.
How Many Credit Cards Is Too Many?
March 22, 2017
A reader’s husband doesn’t use half his cards. Should he keep them for emergencies or get rid of them?
3 New Polls that Depress Me about Americans and Money
March 20, 2017
How can the greatest country on Earth not be so great with its money?
Ask the Expert: Can I Ask a Personal Question?
March 15, 2017
A reader wants to know how Howard hires.
Does Big Business Have a Big Problem With Identity Theft?
March 13, 2017
This is shaping up to be a bad year for data breaches, but does anyone care?
Ask The Expert: What’s The Least Bad Answer?
March 8, 2017
A husband and wife have competing plans for getting out of debt. Alas, both are terrible.
How To Win Money The Right Way
March 6, 2017
Debt.com’s first #MySecondChance winner was selected randomly, but she’s acting deliberately.
Ask Howard: Is It Better to Save or Invest?
March 1, 2017
A reader who just got out of a decade’s worth of debt wants to know what to do with her sudden surplus.
Paying Double: How Do Twins Afford College?
February 27, 2017
Nadia Garcia is the Debt.com’s 10th scholarship recipient, and the first twin to win.
Ask The Expert: Are Gift Cards Tacky Wedding Presents?
February 22, 2017
A reader is upset her boyfriend only gives gift cards as presents. Here’s a compromise.
Millennials Give Scary Answers to Silly Questions About Debt
February 20, 2017
The generation that will soon take over the world has yet to conquer its own financial woes.
What’s The Difference Between “Used” And “Pre-Owned”?
February 15, 2017
This week: A couple isn’t sure how to replace their two broken-down cars.
Credit Card Debt: When “Typical” Is Horrible
February 13, 2017
Here’s a new statistic that should strike fear into your family. Here’s what you can do about it.
Why Even Bother with New Year’s Resolutions?
February 8, 2017
This week: The Super Bowl blew up a boyfriend’s promise to pay off debt.
Dvorkin On Debt: What Matters More, Money Or Power?
February 6, 2017
The answer depends on one factor. Sadly, no one’s talking about it.
Ask The Expert: Is This The Dumbest Idea You’ve Ever Heard?
February 1, 2017
This week: How Trump, gold bullion, and credit cards don’t mix.