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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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Person making payment with credit card

Why Is It Bad To Have Credit Card Debt?

February 7, 2018

A reader insists his girlfriend is short-sighted for hating his high balances.

Can I Pay My Credit Card With Another Credit Card?

January 24, 2018

A reader’s boyfriend thinks he found a clever loophole. He hasn’t. But he still has options.

Hispanic woman reading a letter about debt settlement in her mailbox

Are Debt Relief Programs The Same Thing As Debt Settlement?

January 10, 2018

A reader wants to help his mother, but he’s scared he’ll make the problem worse.

Woman in a wheelchair calling to ask about disability forgiveness for credit card debt

Is There Really Such A Thing As Credit Card Debt Forgiveness For A Disability?

January 3, 2018

The answer is no, but the good news is: There are powerful options regardless of your disability.

Government Money

Is The Government Hiding Ways For Us To Get Out Of Debt?

December 27, 2017

A reader has heard about “secret government programs.” He might be right.

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

Will You Help Me Go INTO Debt?

December 20, 2017

A reader says he needs debt to achieve his goals. Is he right?

Convincing My Boyfriend To Buy Fewer Gifts.

How Can I Convince My Boyfriend To Buy Fewer Gifts This Holiday Season?

December 13, 2017

A reader is upset that her otherwise thrifty boyfriend goes crazy at the end of the year.

Calculating a debt settlement plan

Is Debt Management Or Debt Settlement Better For Me?

December 6, 2017

A reader is deep in debt, but one plan is better than the others.

student loan refinance

What Happens If I Can’t Afford My Student Loan Payments?

November 29, 2017

A reader owes nearly $100,000 but takes home $850 a week.

Woman Credit Card Charge She Didn’t Make.

How Do I Get Rid Of A Credit Card Charge I Didn’t Make?

November 15, 2017

A reader can’t find an answer, but there’s a sure-fire way to get one.

Woman with medical debt and credit card debt sits upset at her laptop

I’ve Never Been In Debt Before, But Now I’m Sick. How Do I Avoid Debt Now?

November 8, 2017

A reader has lived a frugal life, but now her personal health may affect her personal finances.

Can a Debt Management Program Hurt My Chances To Buy A House?

Will A Debt Management Program Hurt My Chances To Buy A House?

November 1, 2017

A reader is finishing a DMP but wants to buy a home. Good news awaits him.

Man with a drill and a dog during a home remodel

When Is It OK To Cash In My Retirement To Remodel My Home?

October 25, 2017

It’s always OK, if you don’t mind losing almost $100,000.

Young clever woman during her job and money conversation

I Have Two Job Offers, Both At The Same Salary. Which Will Pay Me More?

October 16, 2017

A reader knows salary isn’t the only way to make money.

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.

Can they garnish my wages so much I have to bust my piggy bank?

Can The Government Garnish My Wages Till I’m Broke?

October 4, 2017

A reader earns only $11,000 a year, but she’s being garnished $300 a month.

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.

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 Hate President Trump?

August 16, 2017

A reader is mad, but is his anger misplaced?