If you are struggling to make ends meet, review the options below.

Budget Plan

The first thing you do is a budget. You must know exactly how much income you have and exactly what your expenses are. You may be able to solve your monthly short fall by changing payment dates and cutting back on expenses.

Introduction to Budgeting

Credit Card Debt

If you are having trouble keeping up with credit card payments or getting late fess or over limit fees, you can get help from The Debt Consolidation Center. This program typically will lower your interest rates, stop late and over limit fess and lowers the overall monthly payment. While this is a good solution for many, only enroll if you are in a financial hardship.

Learn More

Free Credit Report

http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml
or
https://www.annualcreditreport.com/cra/index

Useful Government Sites

http://www.ftc.gov/
For FTC complaint
https://www.ftccomplaintassistant.gov/
For Identity Theft
http://www.ftc.gov/bcp/edu/microsites/idtheft2012/

Tips To Prevent Identity Theft