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.

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.

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.

preowned car

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.

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.

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.

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.

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?

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.

why a college degree is more valuable

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.

America Saves Week

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.

satisfied with savings?

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.

debt management plan

Ask the Expert: Are Debt Management Plans Legit?

April 12, 2017

A reader wonders if the letters DMP are A-OK.

millennials sign up for health insurance

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.

medical identity theft

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?

Howard Dvorkin on debt

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.

40-hour work week? Try 60

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?

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.

Expert credit card reviews help you pick the right 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?

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.

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.

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.

Credit card debt

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.