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Howard Dvorkin is a personal finance expert and consumer advocate who has been helping people for more than 20 years.

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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.

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.”

President Donald Trump?

Does Debt.com Hate President Trump?

August 16, 2017

A reader is mad, but is his anger misplaced?

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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.

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.

A couple looks at their finances and struggles to decide if they should pay bills like credit cards or save for retirement

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.

debt management plan

Ask the Expert: Are Debt Management Plans Legit?

April 12, 2017

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

The stock market continues to rise and break records, but are Trump and the stock market a match made in Heaven?

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?

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?

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.