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John Janney is the president of the National Financial Awareness Network and author of How To Get Great Credit! NFAN publishes the popular Do-It-Yourself Debt Settlement Kit. The New York State Banking Department lists NFAN’s HelpForDebtors.com in their Financial Educational Resources Directory. For more information, visit nfan.com or please call 1-888-259-6960 or email (please use “Contact” form on the nfan.com website).
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 Credit Counseling Costs Consumers More than Debt SettlementHow can debt settlement cost less when debt settlement companies charge fees? Read this article to find out! 5 Things You Should Know About the New Credit Card Rules!Federal banking regulators passed new rules late last year to curb harmful credit card industry practices. 9 Questions You Need to Ask yourself Before Pursuing Debt SettlementWith American consumers falling deeper in debt, many are turning to debt settlement. But is this solution right for you? Here are 9 questions to help you answer that question. 5 Rules for Saving Money at the Grocery StoreUse these 5 tips to save money on your next trip to the grocery store. Twelve Benefits of Do-it-yourself Debt SettlementWhile professional debt settlement companies provide a valuable service to consumers who are drowning in debt, some consumers may be better off negotiating their own debt settlements. Rewards Program Not Always Best Measurement of a Credit CardFees and traps within the cardholder agreement often erase any benefit from a credit card's rewards program. Here are some traps to avoid. Credit card minimums not doubling, but might still hurtRegulators are pressuring credit card banks into requiring cardholders payoff more debt each month.
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