Debt Resources

Payday Loans are intended to be used as short-term loans to avoid bouncing checks, pawning personal property or borrowing money from family and friends. They should not used to as long-term solutions.

The following are sites that can help with long-term personal financial issues.

• The Consumer's Guide to Credit Counseling
  Credit counselors are falling all over themselves to help you out of debt, but some do more harm than good. Here.s what you need to know, including whether you need it and the red flags for rip-offs.
• United States List of Approved Credit Counseling Agencies
  A complete listing of approved credit counseling agencies is available through links on this Web page.
• National Foundation for Credit Counseling
  The NFCC promotes the national agenda for financially responsible behavior and builds capacity for its members to deliver the highest quality financial education and counseling services.
• Debt Relief: Beware the Frauds
  Can you cut debt in an instant? Don't believe it. But real counseling will show you a way out.
• U.S. Governments website dedicated to teaching the basics of finances.
  MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are planning to buy a home, balancing your checkbook, or investing in your 401k, the resources on MyMoney.gov can help you do it better. Throughout the site, you will find important information from 20 federal agencies government wide.
• How to Create Good Credit
  A place where folks come to enlighten the murkier areas of their credit know-how. Some have come face-to-face with unnerving credit circumstances. Others come here seeking knowledge.
• Consumer Handbook to Credit Protection Laws
  It is important to know your rights and how to use them. This handbook explains how the consumer credit laws can help you shop for credit, apply for it, maintain your credit standing, and, if need be, complain about an unfair deal. This handbook also explains what you should look for when using credit, details what creditors look for before extending credit, and reviews the laws' solutions to discriminatory practices that have made it difficult for women and minorities to get credit.