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 I’m glad you’re here.

Group of credit cards.

Will Credit Cards I Don’t Use Hurt My Credit Score — Or Help It?

October 18, 2017

A reader has credit cards with no balances. Should she close them or keep them?

A stack of $100 bills is why you need to read about these money facts

3 Revealing Money Facts You Probably Haven’t Heard About

October 16, 2017

Recent research is both encouraging and depressing, but sadly more of the latter.

Couple with Money

We Might Win $100,000. What Should We Do With It?

October 11, 2017

A reader is looking at a six-figure windfall, but her husband is about to make an expensive mistake.

Money Tree in a Storm.

Who Exactly Will Survive The Next Recession?

October 9, 2017

It may depend somewhat on where you live, but it DEFINITELY depends on what you’re doing right now. Scholarship Winner: Going To College While Teaching School

October 2, 2017

A Pennsylvania woman needs new scholarships to pay off old student loans.

Natural disaster can strike anywhere like this flooding

Where Is the Safest Place To Live In The United States?

September 27, 2017

A reader doesn’t want to spend money repairing his home after a natural disaster.

An ICMARC bus explains retirement benefits to employees

Why 3 Obscure Polls Are Good News About America’s Debt

September 25, 2017

No one is talking about them, but they should. So I will.

Paying off my debt means eating ramen all the time

How Can I Pay Off My Credit Cards Without Eating Ramen Noodles Forever?

September 20, 2017

A reader wants to pay off his credit card debt, but he also wants to eat.

The Equifax hack was not difficult to pull off

Will The Equifax Breach Be the Beginning Of Something Wonderful?

September 18, 2017

American businesses and citizens haven’t taken identity theft seriously. They might from now on.

Man is in shock over his back taxes bill

How Can I Not Freak Out About The IRS And My Back Taxes?

September 13, 2017

A reader’s “idiot cousin” got him into tax debt. What can he do about the IRS — and his idiot cousin?

A teenage driver behind the wheel could hurt your car insurance

How Your Teenagers Will (Literally) Drive You Crazy

September 11, 2017

They’ll also (literally) drive you into the poor house.

The Equifax logo

What Equifax’s Data Breach Means to You

September 8, 2017

Something complicated happened Thursday, and it sounds bad. Actually, it’s worse than that.

Magic Hat Trick

What Tricks Can I Use To Raise My Credit Score?

September 6, 2017

A reader wants to buy a house, but his credit score is “in the toilet.”

Reducing Student Loan Debt

Are Student Loans Going To Cause The Next Recession?

September 4, 2017

With more than $1.3 trillion in student loan debt in this country, it’s long been a mantra that “student loans are too big to fail.” However, they might now be too big to succeed. In July, Citi released a 166-page report innocuously titled, Education: Back to Basics. Buried on page 81 was this hand grenade… […]

Mortgage loan officer calculates costs on a residential home loan during the underwriting and approval process

Is Mortgage Really Considered “Good Debt”?

August 30, 2017

A reader wants to know when too much of a good thing is bad.

This Teenager Probably Knows More About Money Than You Do

This Teenager Probably Knows More About Money Than You Do

August 28, 2017

The latest scholarship winner loves profit and nonprofits.

New cars lined up on an auto dealership showroom floor, waiting for car buying financed through auto loans

Am I An Idiot For Wanting To Lease A Car?

August 23, 2017

A reader’s girlfriend says he should buy instead of lease.

Howard Dvorkin’s next recession prediction starts with an auto loan bubble, but it originates from used car lots.

One More Reason Why I Still Fear An Auto-matic Recession

August 21, 2017

It has to do with cars, but not really auto loans.

President Donald Trump?

Does Hate President Trump?

August 16, 2017

A reader is mad, but is his anger misplaced?

Woman depressed in the summer

The Most Depressing Statistic of the Summer

August 14, 2017

Trust me, you’ll never guess what it is.

A private stash of hundreds of dollars hidden under the floor boards

How Do I Hide Money From My Girlfriend So I Can Hide It From My Wife?

August 9, 2017

A reader wants to start deceiving his girlfriend before he gets married.

Partisan issues should not affect small business owners

Small Business Isn’t A Partisan Issue

August 7, 2017

Here’s proof that small business has no political party ties.

student loan debt collection

Does The Government REALLY Want To Help Me Pay Off My Student Loans?

August 2, 2017

This week: A reader is trying to find legitimate ways to lessen his payments, but it’s not easy.

Debt buyers are quietly trading America's past-due debt

Americans Are Buried in Debt, But What About the Rest of the World?

July 31, 2017

Sadly, we’re No. 1 in one of the categories we don’t want to be.

health savings accounts

How Can I Save Major Money On Minor Surgery?

July 26, 2017

A reader is looking for healthcare savings before she needs a procedure.

Facts about money management illustration shows man thinking about saving money

3 Profitable Facts About Your Workplace

July 24, 2017

Learn how to make more money from these new studies.

Older business woman gets a menopause hot flash sitting in front of her office computer

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.

Victims are interested in learning exactly how do people steal identities

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.

Strings of 101010 computer code spanning across the image, with IDENTITY THEFT embedded in red

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?

When you add it up, rewards mean nothing if you don’t eliminate credit card debt quickly.

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.

federal funds rate

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.

John Pawloski

This Scholarship Winner Is No Joke

July 3, 2017

John Pawloski is making a career change you’ll never believe.

You can buy a car from a dealership even if you recently declared bankruptcy

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 illustration by Ivan Benavides: Female student walks towards hole as businessman considers housing market

Debt News You Probably Haven’t Heard — But Should

June 26, 2017

This week: clueless about student loans, passionless about work, passionate about boycotts.

irs flexible on tax payments

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.

Stained glass window of Moses carrying the 10 Commandments. Which Commandment can predict your debt?

How One Of the 10 Commandments Can Predict Your Debt

June 19, 2017

If you break this Commandment, you’re probably broke.

An older Gen X man sits in front of a laptop looking a bill for a debt he owes, showing signs of financial stress

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.

student loan debt collection

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.

An indebted woman ponders the question: can debt collectors come to your house?

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.

Homeowners insurance rates by credit

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.

Close-up of a gold-ingot on top of a troy ounce silver and palladium bar

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.

why a college degree is more valuable

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.

A team of 2 firefighter of a German fire brigade after an exhausting training session with protective gear

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.

debt tech robot

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?

Be careful when dealing with the IRS

What REALLY Happens If You Don’t Pay Your Taxes?

May 17, 2017

A reader fears for her boyfriend’s future — and her own.

financial graph on technology abstract background represent financial crisis,financial meltdown

Good And Bad News About Recession 2018

May 15, 2017

The economic recovery is literally one step forward, one step back.

Man sitting in home office, reading letter and felling worried. With one hand holding letter and with other hes forehead

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?

how to teach your kids about money

What 10-Year-Olds Know About Money That You Don’t

May 8, 2017

Are kids today financially smarter than previous generations?

Man with his credit card in front of computer takes notes on his financial habits

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.

Portrait for scholarship winner Caitlyn Remick

How To Win A Scholarship: Apply 63 Times

May 1, 2017

Caitlyn Remick knows how to dress up — and save up.