Personal Finance & Credit / Bankruptcy

  • How to start your own business from scratch


    If you are looking to start a business, there are many factors to consider. While it is possible to skip the planning stage and just start your business and work out the details later, this is not...

  • Robocall reward: Time Warner Cable owes woman $229,500 for nonstop calls


    Nobody likes robocalls -- those automated phone calls to your cellphone that deliver recorded messages, often from debt collectors. And one woman just found out that if a company is...

  • Clark Howard's Free Credit Report Guide


    Are you getting all your free credit reports? Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of...

  • Tips for Avoiding Credit Card Debt in Your 20s and 30s


    The 20s and 30s are the years when most people start to accumulate credit card debt. The promise or realization of a good job out of college -- along with life changes such as marriage, home...

  • Why credit repair companies are a ripoff


    Some companies claim they can help you clean up your bad credit. Why it's a ripoff and how you can avoid it.

  • Maximize your retirement benefits


    When is the ideal time to start taking Social Security? It varies. Know how to get the most from your Social Security check when you retire.

  • Debt-settlement outfits make hollow promises


    Have you seen those ads being run by the debt-settlement outfits on late-night TV? They promise to reduce your credit card debt to just pennies on the dollar without making you file for...

  • More Mega-Bank woes


    Are you happy with the job Congress is doing? There's a bank that ranks even lower in customer satisfaction -- and you might be doing business with them!

  • Should you borrow against your 401(k)?


    When you borrow against your 401(k), you're borrowing from yourself and paying yourself back, right? Not so fast. Clark has new info for you.

  • New government help for debt harassment


    The Consumer Financial Protection Bureau has new tools and advice for those being harassed by collectors for debts they do not owe.

  • Savers still facing low interest rates


    Savers are getting the short end of the stick while it remains a borrower's paradise thanks to low inflation and the Federal Reserve's refusal to raise interest rates. Normally, a serious bout...

  • Facing separation? Heed this financial advice


    If your marriage is ending, be sure to protect yourself from this financial unknown that could blindside you down the road.

  • Unclaimed money could be waiting for you


    There could be unclaimed money from bank accounts and insurance policies hanging out unloved in your name. Here's how to claim at no cost if it's rightfully yours.

  • Clark's No-Giftcard Gift Certificate


    Clark can't stand gift cards! He'd rather you give cash so your friends and family never have to hassle with expiration dates, fees, limited choices or rules. Next time you give cash for...

  • Should you trust credit-repair companies?


    Can a company really help you fix your credit for a fee? Clark weighs in on the subject of credit repair companies.