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Debt negotiation or debt settlement is all about negotiating with your creditors or collection agencies (CAs) in order to reduce your outstanding debt balance. The purpose is to make your creditors accept payment up to 40-60% of what you owe while the rest is forgiven.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages can only be garnished as the result of a court order or a similar action. It's important not to ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages can only be garnished as the result of a court order or a similar action. Its important not to ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Payday loans are two-week loans--not annual loans! Industry critics quote the "390% annual percentage rate" to misrepresent the truth and to help make their case. The typical fee charged by payday lenders is $15 per $100 borrowed, or a simple 15 percent for a two-week duration.

With bank credit card interest rates running as high as 32%, payday loans are starting to look attractive for borrowers with short term emergency cash needs.

10 Key Changes of the New Credit Card Rules
The Credit Cardholder's Bill of Rights Act of 2008

settlement with the credit card banks is good information