Salem

Balance transfers are often advertised in both Oregon and Washington with an offer of radically reduced introductory rates for borrowers who are willing to move their balances onto a new credit card. Additional credit cards though are almost never the answer for managing debt. In fact, they usually exacerbate the problem. Many people keep their [...]

1. Do not apply for a credit card until you are ready. It is a really bad idea to apply for new credit before you can afford it. Use the information, skills and insight you picked up in your consumer counseling sessions and make wise decisions. 2. Avoid accepting too many offers. There is very [...]

In both Oregon and Washington, Chapter 13 is a special aspect of the Bankruptcy Law. It allows you to file a plan that combines your debts and gives you a way to repay either all or some part of them while protecting you or your co-signer from harassment by creditors. If your financial problems cannot [...]