Debt management plans are used by credit counseling agencies to help you get back on track with your credit. Although there are plenty of perks such as they will act as your middleman and your score will increase over time, there are some downsides to this too. For instance…your credit score likel...

If you have a pay day loan there may be a factor in place that’s causing you to have trouble with your other finances. It’s called the CPA, also known as continuous payment authority. When you apply for the loan, somewhere within all the paperwork was a detail that said you were setting up a [&h...

A CPA is also known as a continuous payment authority. This is a detail in your loan agreement that says the payday loan company has the right to pull the money for repayment when they want. If their pulling is causing you to miss other important payments like rent, utilities and food, you should ca...