A wave of smarter, more sophisticated scams hit consumers last year.

Creditors have real power to freeze bank accounts, but there are protections in place for disability income.

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. But when you have debt in collection, it's not just the barrage of calls ...

David McMillin writes about credit cards, mortgages, banking, taxes and travel. Based in Chicago, he writes with one objective in mind: Help readers figure out how to save more and stress less. He is ...