Broke-Ass Student

Credit card comparison shopping doesn’t have to be a hassle, instead let it be a breeze!
Credit cards can be an invaluable tool when utilized responsibly, and cash back credit cards offer a great incentive to use credit for small daily purchases as long as a balance isn’t maintained on the card from month to month. […]

A Continuation Of My Struggle Battling Alleged Credit Card Debt
The beginning of this story can be found at Broke-Ass Student Just Got A Whole Lot Broker with a bristled rebuttal at How To Fight Back Against Collection Agencies.
I squinted at the words scrawled across the pages through the dim light, entirely absorbed in my reading, when suddenly loud rasping at […]

Avoid falling victim to these legal credit card ruses and traps.
As credit card companies consistently churn out ‘preapproved’ letters offering enticing rates, it’s easy for unsuspecting consumers to fall prey to unscrupulous, yet perfectly legal, credit card tactics. This is why it’s imperative to always bust out the magnifying glass and pick apart the fine print before settling on a seemingly brilliant offer.
Here are a […]

Why it pays to read the fine print on credit card offers
Until successfully regaining control of my financial situation, I discontinued using credit cards for the past few years and relied exclusively on debit. However, one of my goals this year is to apply for a credit card and responsibly build my FICO score to an admirable level.  
My strategy is simple; to […]

Preserve your rights against debt collectors to make sure you’re being treated fairly
If you’ve been contacted by a collection agency, don’t be afraid, feel ashamed, or become nervous. Remain firm and stand your ground. Never allow yourself to feel manipulated or bullied. You will never, ever go to jail for not paying a debt. Take a deep breath, learn […]

My broke-ass is being sued.
I apologize for being away from this blog the past week, but things have taken an unexpected turn. Last Wednesday, out of nowhere, I received a notice in the mail that Mr. Scumbag lawyer was authorized to commence a lawsuit against me on behalf of a federal bank for an alleged […]

Baby step #6 - Use a ’save first and buy later’ approach to avoid spending money you don’t have
Are you struggling paycheck to paycheck and there never seems to be enough money at the end of each month, like I was? Is it a constant struggle to make your bill payments on time? Do you […]