Howard Dvorkin, CPA

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.

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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?

Business credit cards are for everyone

3 Little But Fascinating Financial Facts

March 27, 2017

Here are some recent news nuggets that, taken together, may make a larger point.

too many credit cards

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?

credit-card-problems

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?

social media searches can hurt

Ask the Expert: Can I Ask a Personal Question?

March 15, 2017

A reader wants to know how Howard hires.

Technology in the hands

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?

balancing-your-budget

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.

sweeps-winner

How To Win Money The Right Way

March 6, 2017

Debt.com’s first #MySecondChance winner was selected randomly, but she’s acting deliberately.

should I save or invest

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.

vacation of the future

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.

gift cards

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 in debt

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.

preowned car

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.

Get lower credit card interest rates!

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.

Couple looking at bills

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.

raise or promotion

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.

credit card refinancing

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.

Identity theft protection

Ask The Expert: Is This A Legit Reason Not To Get Married?

January 25, 2017

A reader is angry at his Internet-unsafe fiancee.

Money saving resolutions

The Most Important New Year’s Resolution To Keep [video]

January 23, 2017

You need to create a budget — although believe it or not, that’s a controversial statement.

Wedding budget of $5,000

Ask The Expert: Declare Bankruptcy Before Or After My Wedding? [video]

January 18, 2017

This week: A couple wants a clean slate, but are they mucking up their nuptials?

Trump inauguration

President Trump’s 2018 Recession

January 16, 2017

It’s coming, but it’s not really his fault.

A mortgage is good debt. Credit cards can be, too, if used properly.

Ask The Expert: How Do I Tell My Fiancee? [video]

January 11, 2017

This week: A man has a dirty little secret he’s keeping from the love of his life.

How I protect myself from identity theft

Dvorkin On Debt: An Insecure 2017 Prediction

January 9, 2017

I sadly predict massive computer hacking on a scale not seen in years past.

vacation of the future

Ask The Expert: How Do I Know You’re For Real? [video]

January 4, 2017

A reader is skeptical of financial experts — and he has a point.

pan

Dvorkin On Debt: Pan’s Plan

January 2, 2017

Ronald Pan is the latest Debt.com scholarship winner, for three big reasons.

save for retirement before college

Ask The Expert: Do I NEED To Go To College? [video]

December 28, 2016

A young reader wants to know his financial options after high school.

Retirement is top concern for many Americans

Dvorkin On Debt: “Elder Financial Abuse” Is Real – And Growing

December 26, 2016

Thieves and even family members are increasingly targeting senior citizens.

Woman with credit card distraught

Dvorkin On Debt: Correcting Your New Year [video]

December 19, 2016

Don’t go into 2017 making financial mistakes. Give yourself the gift of financial freedom.

christmas_shopping

Ask The Expert: Is It Too Late To Save On Holiday Shopping? [video]

December 14, 2016

A reader has skipped Black Friday and Cyber Monday — and every other shopping day so far.

What's too much credit card debt?

Dvorkin On Debt: Not A Holiday For Me [video]

December 12, 2016

I love the November and December, but I fear January.

Shopping after Christmas

Ask The Expert: How Can I Get My Boyfriend In The Holiday Spirit?

December 7, 2016

A reader is appalled at the way her boyfriend and his family celebrate the holidays

who do we waste money with prescriptions apathy?

Dvorkin On Debt: What Happens When We Know Better?

December 5, 2016

Three new polls prove we know what to do about money, but we just refuse to do it.

Get credit card points that matter to you

Ask The Expert: Are Credit Cards Rigged?

November 30, 2016

A reader is suspicious of all these “reward programs.” How can they possibly be legit?

Debt.com $1,000 giveaway

Dvorkin On Debt: Want $1,000?

November 28, 2016

It doesn’t matter how you got into debt. Let’s get you out.

Wedding budget of $5,000

Ask The Expert: Should I Sign A Pre-Nup? Or Make Him Sign One, Too?

November 23, 2016

A reader is offended by her fiance, but she’s got an amusing plan to even the odds.

Identity theft protection

Dvorkin On Debt: Tis The Season For Holiday Stealing

November 21, 2016

While this is the time to give, many others are trying to take away.

Ryan Lochte Swimming

Dvorkin On Debt: What You Can Learn From Ryan Lochte’s First Credit Card

November 14, 2016

The swimmer, dancer, and Debt.com spokesman just got a credit card. Here’s why that matters.

How to get IRS tax debt help

Ask The Expert: Is This IRS Letter Legit Or A Scam? [video]

November 9, 2016

A reader is both scared and suspicious after receiving an email.

marion

The Hardest-Working Woman In Scholarships

November 7, 2016

Abby Marion never gives up, so we gave in. She’s the ninth Debt.com scholarship winner.

unflattering stats

Ask The Expert: Are Those Radio Ads About Taxes Legit?

November 2, 2016

A reader keeps hearing commercials about “settling back taxes.”

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Dvorkin On Debt: Who I’m Endorsing

October 31, 2016

It’s not a candidate. It’s an attitude.

best retirement accounts

Ask The Expert: Is Saving For Retirement Over-Rated?

October 26, 2016

A reader worries that her husband doesn’t worry about saving for retirement.

millennials sign up for health insurance

Dvorkin On Debt: My Millennial Financial Obsession

October 24, 2016

I often worry about the financial future of the next generation. But it’s hard to tell whether my fears are misplaced with this research.

teenager girl homework studying silhouette

Ask The Expert: When Does A Small Business Become A Big Problem?

October 19, 2016

A mother has the money to lend her daughter for a jewelry business, but she’s not sure it’s a good idea.

Money in Hand

Dvorkin On Debt: When TV News Is On the Money

October 17, 2016

Especially this campaign season, many people are complaining about television news. Here’s what TV got right this year.

cards that help build credit

Dvorkin On Debt: Credit Cards Overtake Cash For The First Time Ever

October 10, 2016

I have very mixed feelings about this. So should you.

biggest regrets of college students

Ask The Expert: Should I Wait To Go To College Till Hillary Wins?

October 5, 2016

A reader wants to wait until Hillary Clinton launcher her “free college” program.

negotiate your credit card debt

Dvorkin On Debt: Don’t Give It Up!

October 3, 2016

Follow these three steps, and you’ll avoid the latest, hottest brand of identity theft.

What is tax debt?

Ask The Expert: My Husband Is Taxing My Patience!

September 28, 2016

A reader’s spouse didn’t turn in his taxes this year. What happens now?

Auto loan balances are up

Dvorkin On Debt: Blowing Up The Auto Bubble

September 26, 2016

Remember this summer, when everyone predicted the next big financial crash? It might not happen.