author

Maurie Backman

Contributing Writer

Maurie Backman is a personal finance writer with over 10 years of experience. Her coverage areas include retirement, investing, real estate, and credit and debt management.

Taking Responsibility for Debt While Avoiding Bankruptcy
How to Avoid Bankruptcy

August 22, 2026

Bankruptcy isn't your only option. Here's what to try first.

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What Is Wage Garnishment?
Wage Garnishment: Limits, Rules & How to Avoid It

August 24, 2026

A creditor won a court case against you. Here's what happens to your paycheck next.

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What Is a Government Debt Relief Program?
Veteran Debt Relief Grants: Your Guide to Financial Assistance Programs 2026

August 24, 2026

Debt after service doesn't have to be permanent. Here's where veterans can turn for real help.

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Debt Load
Debt Load and Your Finances

September 19, 2026

Your debt load is more than a number. It's the weight your monthly budget carries.

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How to Create a Debt Snowball Method Spreadsheet for Free
How to Create a Debt Snowball Method Spreadsheet for Free

May 4, 2026

Want to get rid of your debt? Learn how to create a debt snowball method spreadsheet without spending a dime.

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What to Do if a Debt Collector Calls You for Someone Else's Debt
What to Do if a Debt Collector Calls You for Someone Else's Debt

March 12, 2026

Debt collectors have to follow certain rules. Here’s what to do if you’re contacted for a debt you never racked up.

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Buy Now, Pay Later Credit Reporting: How Does It Work?
Buy Now, Pay Later Credit Reporting: How Does It Work?

April 4, 2026

Buy now, pay later plans make it easy to pay for stuff over time. But what are they doing to your credit?

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Can Collection Agencies Take Your Tax Refund
Can Collection Agencies Take Your Tax Refund?

March 5, 2026

If you’re worried about your tax refund being seized, we’ll show you how to avoid garnishment.

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What’s a Good Debt-to-Income Ratio?
How to Lower Your Debt-to-Income Ratio

March 11, 2026

A lower debt-to-income ratio could help you get a loan and manage your bills more easily. Here’s how to get one.

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