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The Financial Counseling Association of America

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Experiencing COVID-19 Related Financial Hardships?

Financial Counseling Association of America (FCAA) member credit counseling agencies offer debt relief programs to assist consumers experiencing financial hardships related to COVID-19 pandemic.

COVID-19 financial hardships still loom large. Without relief through government aid, consumers are likely relying more and more on credit cards to help manage household expenses. Added to that is the concern that it may become more difficult for consumers to pay the bills when deferments offered by credit cards issuers end.

Now more than ever, consumers need to be aware of their options when it comes to seeking help repaying their unsecured credit card debts. [Read more…] about Experiencing COVID-19 Related Financial Hardships?

How to Manage Your Credit Card Bills, Which Experts Say Are Late More Often

By Ann Carrns

Even with a strong economy, a growing number of people are having trouble paying their credit card bills.
Late credit card payments, while still low, have been ticking upward for the past two years, the Federal Reserve Bank of New York reported in May. Card delinquencies have been rising for borrowers under 30, in particular, but also for borrowers in their 60s, the New York Fed said.

Debt Management vs. Debt Settlement

debt management vs. debt settlementby Casey Hynes in Lending Tree

Out-of-control debt has a way of taking over your life. High interest rates can cause your balances to climb higher each month, and the higher balances hurt your credit score, making it more difficult to obtain financing for important household expenses or personal needs. As the debt grows, so does your stress.

Fortunately, there are options for regaining control of your finances. Debt management and debt settlement programs can help you work with creditors to pay off your debts or pay a lump sum that is less than what you owe but still closes the account.

Continue reading this article in Lending Tree.

Low Cost Healthy Foods Are Easier Than You Think

By Tracy East, Consumer Education Services Inc.

Striving to eat the right foods and maintain a healthier lifestyle are goals that many people set for themselves. Low Cost Healthy Foods are in high demand for those who want to feel and look their best, but shopping for “the right” foods can seem daunting. With the heavily advertised “superfoods” and high-end health food stores that are everywhere today, retaining great nutrition may seem unattainable on a budget. Fortunately, the idea that you have to spend a lot of money to be healthy is a misconception. You can find an abundance of low cost healthy foods at any neighborhood grocery store. The foods listed below are not only simple to prepare, but also excellent for your body–and your bank account. [Read more…] about Low Cost Healthy Foods Are Easier Than You Think