By Charlestien Harris As a HUD certified housing counselor, I try to stay informed on current issues that could directly affect numerous consumers facing mounting debt and other issues related to housing and finances.  Last month, the Federal Housing Finance Agency...

By Charlestien Harris Gift cards are a popular and convenient way to give someone a gift. They’re also a popular way for scammers to steal money from you, because gift cards are like cash. If you buy a gift card and someone it wasn’t intended for uses it, you probably...

By Charlestien Harris I have been getting numerous inquiries about next steps when it comes to the pandemic and mortgage solutions available to homeowners as they navigate this difficult time. Therefore, I have provided the five steps that should be taken below. This...

By Charlestien Harris During this time of year, everyone is gearing up for a busy online shopping season, especially scammers. Risks of getting scammed are higher during the holidays, but you can keep your money safe by following these simple online shopping tips....

By Charlestien Harris Covid-19 has forced many of us to take a closer look at our finances and estate planning.  Often overlooked, finances are a big part of the survival of family members after the death of a loved one. It is a subject that most people don’t like to...

By Charlestien Harris Since the pandemic, more people are having to deal with debt collectors.  Therefore, I thought it would be helpful to know what rights you have as a consumer and the law that was created to protect you from abusive debt practices.  In...

By Charlestien Harris The average consumer knows very little about this law enacted by congress in 1970.  The Fair Credit Reporting Act (FCRA) was enacted to promote accuracy, fairness, and the privacy of personal information assembled by credit reporting agencies. ...

By Charlestien Harris Does it ever feel like your money is hiding from you and that you’re always looking for it?  If this is the case, you are not alone. Maintaining your financial health isn’t a game, but it can certainly feel that way at times.  ...

By Charlestien Harris Right now the housing market is booming and a lot of people are shopping for a mortgage.  Low interest rates and more options for refinancing are driving the market.  This process can be stressful and time-consuming, especially if it’s your first...