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.

Shopping after Christmas

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

December 7, 2016 | Howard Dvorkin, CPA

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

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Dvorkin On Debt: What Happens When We Know Better?

December 5, 2016 | Howard Dvorkin, CPA

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

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Ask The Expert: Are Credit Cards Rigged?

November 30, 2016 | Howard Dvorkin, CPA

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

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Dvorkin On Debt: Want $1,000?

November 28, 2016 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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

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Dvorkin On Debt: Tis The Season For Holiday Stealing

November 21, 2016 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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

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

November 9, 2016 | Howard Dvorkin, CPA

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

marion

The Hardest-Working Woman In Scholarships

November 7, 2016 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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

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Dvorkin On Debt: Who I’m Endorsing

October 31, 2016 | Howard Dvorkin, CPA

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

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

October 26, 2016 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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

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

October 10, 2016 | Howard Dvorkin, CPA

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

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

October 5, 2016 | Howard Dvorkin, CPA

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

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Dvorkin On Debt: Don’t Give It Up!

October 3, 2016 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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 | Howard Dvorkin, CPA

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

America Saves Week

Ask The Expert: My Husband Hates 529 Plans. Is He Right?

September 21, 2016 | Howard Dvorkin, CPA

A reader wants to save now for their infant son’s college, but her spouse has serious doubts.

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Dvorkin On Debt: A Clever Way To Teach Kids About Money

September 19, 2016 | Howard Dvorkin, CPA

Focus on the parents first, then persuade them to teach their children.

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Dvorkin On Debt: The Most Important News Of The Summer

September 12, 2016 | Howard Dvorkin, CPA

Something happened last month that I just loved, but no one reported it.

Want to make your donation to charity count? Do your homework.

Ask The Expert: How Do I Convince My Kid To Take My Money?

September 7, 2016 | Howard Dvorkin, CPA

A reader wants to help her son start a pool-cleaning service, but he refuses to let her.

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Dvorkin On Debt: Credit Cards Are Still Crazy About Fees

September 5, 2016 | Howard Dvorkin, CPA

You’ll never guess how many fees your credit card can charge. Seriously, you’ll never guess.

You might not like my best free debt advice

Ask The Expert: Should I Marry This Guy?

August 31, 2016 | Howard Dvorkin, CPA

A reader wants to convince her parents that her boyfriend shouldn’t be judged on his lack of money.

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Dvorkin On Debt: From Homeless To College

August 29, 2016 | Howard Dvorkin, CPA

The eighth Debt.com scholarship winner has two goals: Find a home and become an artist.

Don't settle for high rent rates.

Ask The Expert: Should We Charge Our Daughter Rent?

August 24, 2016 | Howard Dvorkin, CPA

A reader thinks it will teach her a lesson, but his wife isn’t so sure.

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How Smart People Sink Their Careers in 15 Minutes

August 22, 2016 | Howard Dvorkin, CPA

They forget to do these four things when they apply for a job, and it costs them.

children's finances

Ask The Expert: How Can I Save My Kids?

August 17, 2016 | Howard Dvorkin, CPA

Debt isn’t bad for new businesses, but too many entrepreneurs use it wrong.

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Dvorkin On Debt: LGBT IOU

August 15, 2016 | Howard Dvorkin, CPA

A year after gay marriage becomes legal, how are same-sex couples faring financially?

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Ask The Expert: Are Old People Like Beans?

August 10, 2016 | Howard Dvorkin, CPA

A reader wants to know if her husband’s theory is accurate or crazy.

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What Do Money And God Have In Common?

August 8, 2016 | Howard Dvorkin, CPA

And it has nothing to do with “In God We Trust” printed on a $20 bill.

student loans credit card

Dvorkin On Debt: More Bad News About Student Loans

August 1, 2016 | Howard Dvorkin, CPA

Three new reports, three more things to worry about.

buy a new car

Ask The Expert: Can I Just Stop My Car Payments And Buy Another Car?

July 27, 2016 | Howard Dvorkin, CPA

A reader thinks she can switch cars with no black mark on her credit. The answer is even simpler than she thinks.

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Dvorkin On Debt: The Impending Auto Bubble

July 25, 2016 | Howard Dvorkin, CPA

Remember the housing bubble? Are car loans the next mortgage crisis?

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Ask The Expert: Should I Pay My Credit Cards Online Or By Mail?

July 20, 2016 | Howard Dvorkin, CPA

A reader’s son wants her to pay her bills online, but she has a darn good reason not to.

Dvorkin On Debt: Pokemon Go Should Be Pokemon Dough

July 18, 2016 | Howard Dvorkin, CPA

The latest craze in mobile gaming can teach as much as it entertains.

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Ask The Expert: What Stinks About Being The Expert?

July 13, 2016 | Howard Dvorkin, CPA

A reader wants to know how stressful it is to answer all these questions each week.

Dvorkin On Debt: 5 Hollywood Actors You Don’t Want To Be Like [infographic]

July 11, 2016 | Howard Dvorkin, CPA

They’ve all got into tax trouble with the IRS – for silly reasons.

Private student loans

Ask The Expert: Can A Dying Person Co-Sign My Student Loan?

July 6, 2016 | Howard Dvorkin, CPA

A reader thinks he found a loophole: Ask a relative with terminal cancer to co-sign his loan.

Obamacare is going to cost you one way or another.

Dvorkin On Debt: The Real Definition of “Unhealthy Debt”

July 4, 2016 | Howard Dvorkin, CPA

Debt can not only ruin your life, it can kill you.

best tips for buying a car in 2015

Dvorkin On Debt: The Impending Auto Bubble

July 4, 2016 | Howard Dvorkin, CPA

Remember the housing bubble? Are car loans the next mortgage crisis?

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Ask The Expert: Co-Sign For My Kid’s Student Loan?

June 29, 2016 | Howard Dvorkin, CPA

A reader’s daughter is pleading with him, but he’s hesitating till he hears from Howard.

Dvorkin On Debt: Taking A Bite Out Of Debt

June 27, 2016 | Howard Dvorkin, CPA

The seventh Debt.com scholarship winner has a superior brain but a suffering mouth.

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Ask The Expert: Which Bill Do I Pay First?

June 22, 2016 | Howard Dvorkin, CPA

A reader has only enough to pay the mortgage, car lease, or credit card. But not all three.

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Dvorkin On Debt: How To Save Money By Ignoring It

June 20, 2016 | Howard Dvorkin, CPA

You’ve heard the term “direct deposit,” but you probably don’t know what else it can do.

vacation of the future

Ask The Expert: I Don’t Need Your Help, But I’m Curious…

June 15, 2016 | Howard Dvorkin, CPA

A reader has a question for Howard that has nothing to do with her financial condition.

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Dvorkin On Debt: What The Credit Bureaus REALLY Know About You

June 13, 2016 | Howard Dvorkin, CPA

The Big 3 have your credit reports, but they also ask lots of interesting questions. Here are the recent results.

Explore basic information about student loans in the U.S.

Ask The Expert: Do I Have To Pay My Student Loans If I Flee To Canada?

June 8, 2016 | Howard Dvorkin, CPA

A reader wants to move if either Trump or Clinton gets elected. And he wants to leave his debts behind.