UNITED STATES — Getting ready for the big deal this holiday season? Before you sign up for a layaway program, you might want to read the find print. Some layaway offers can be too good to be true. Layaway programs are making a comeback, especially since so many Americans are struggling financially. The premise of a [...]

Although “good” is a subjective term, we can clarify positives and negatives related to using debt consolidation as a method for debt management. Debt consolidation functions in a manner similar to refinancing a home mortgage; you’re trading one or more debts for a single new debt, typically one offering lower finance charges. Potential benefits associated with [...]