Personal debt in the US has reached an all-time high of nearly 18 trillion dollars. For credit card debt alone, delinquency rates are at a 14-year high.

Bankruptcy can discharge or restructure most credit card debt, but there are exceptions. For example, luxury purchases or ...

Debt collectors cannot discuss your debt with anyone other than you, your spouse (in some cases) or your attorney. They cannot leave messages with co-workers, relatives or friends disclosing that you ...