Archive for Hardship

Poll Reveals Consumers Confused Over Purpose of a Budget

Washington, DC – A recent poll on the National Foundation for Credit Counseling (NFCC) website revealed that 57 percent of respondents misunderstand the purpose of a budget, viewing it as a restriction on their spending, when in fact, just the opposite is true.  “A budget actually provides the structure through which a person can be

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Making the Case against Receiving a Federal Income Tax Refund

For years our counselors and educators have been proponents of reducing the dependency on a big tax refund. We were please to see this article released from the National Foundation for Credit Counseling with a three-step plan on reducing the dependency on a yearly tax refund. If you need assistance with any of these steps and you live in

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NFCC Adds Insight on How To Absorb a 2% Tax Hike

 Last  week we published an article entitled: How Can You and I Brace Ourselves for the “Fiscal Cliff” with some ideas on how to make adjustments to your budget if your take-home pay decreases. With the recent changes put in place by the American Taxpayers Act of 2012, a 2% payroll tax break has expired.

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How Can You and I Brace Ourselves for the “Fiscal Cliff”?

With negotiations and timing reaching a feverish pitch in Washington, it is not unexpected that our minds will turn to the potential impact on our own pocketbooks. It isn’t as if you or I are being asked our opinions at the discussion table and yet the outcome of discussions will have an impact on us.

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Part 2: When Times are Tough, Beware of Scams

CCCSOK.org publishes a series exposing the facts and fallacies of scammers and illegitimate business operations. Subscribe here for empowering information that will help keep you and those you love from becoming victims. This week in our series we will focus on Debt Settlement Scams. Do you remember about the time the recession was really bearing

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When Times Are Tough Beware of Scams Series – Part 1

CCCSOK.org publishes a series exposing the facts and fallacies of scammers and illegitimate business operations. Subscribe here for empowering information that will help keep you and those you love from becoming victims. In this series on our blog, we will cover the following scams: Mortgage and foreclosure prevention scams Debt Settlement scams Work from home

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Outlining the Foreclosure Process in Oklahoma

Oklahoma is a state where foreclosure is typically conducted through the court system.  That means Oklahoma is a “judicial state,” (as opposed to some states where no court proceedings are held.  Those states are considered “non-judicial” states). A judicial foreclosure requires the lender to first file and win a lawsuit. That gives the lender the

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