THERE is no complicated formula for getting out of debt. The principle is simple: you must consistently spend less than you ...

If debt collectors are calling you daily but you can't afford to pay off what you owe, the idea of enrolling in a debt management program can be pretty tempting. After all, these programs claim to ...

Many people struggle with debt. And thanks to high interest rates, rising costs of living, and other challenging financial conditions, that debt can be particularly hard to get out of these days.

In today's high-rate environment, debt settlement programs, also known as debt forgiveness, have become increasingly popular. These programs, which are typically structured over two to four years, ...