With the holiday shopping season well underway, the spirit of giving to family, friends and just causes comes with a high cost. According to creditcards.com, the total U.S. consumer debt stands at $2.43 trillion for 2011, and falling into debt during the holidays is a reality for many. In fact, the National Retail Federation found that Americans spent $52 billion on Black Friday shopping this year.

As a leading consumer advocate (), well-respected debt collector and bestselling author (Out of Control: Cases of Debt-Collection Abuse in America & What We Can Do About It), Bartmann is available to help your readers avoid holiday spending mishaps.

Beware of the phony debt collector…
These days, falling behind on some bills is the new normal since so many people are juggling unemployment checks or part time salaries. B

Full Post…

If you have bad credit loan consolidation may be a good option for you. Whether you debt is in the form of loans or credit cards you can benefit from consolidating. It can be difficult to find a reliable option for loan consolidation. This is because of the vast amount of websites and companies offering this to people who have run out of other options.

When you have bad credit loan consolidation can seem very difficult. This is because you often need to be approved for any financial assistance you receive and with bad credit that can seem impossible. If you own your home, you may be able to qualify for an equity loan.

Full Post…