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In our experience, the solutions offered in this section have proven to be effective; however, we always recommend that you consult with an attorney.

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Stay out of debt and stay out of jail:

The legal truth about work-at-home money, package, and check forwarding jobs

 

How to really verify a check

Your ID Theft Prevention To-Do List

What to do about threats from scammers

   

Attorneys: You and your attorney

Bill of Rights for victims of crime

Budget Worksheet

Burden of Proof

Catching the Bad Guys

CheckSystems

Debt Management

Debtor's Rights

Glossary: Explanations & Definitions

How to Read an Agreement

How to Really Verify a Check or Money Order

How to Write a Budget Packet Cover Letter to Creditors

How to Write a Narrative of Events: Telling your story

Identity Theft Prevention To-Do List

Know your Miranda Rights and how to use them

Police: You and Law Enforcement

Threats from scammers

You and Your Attorney

Budget Worksheet

Below is a sample budget sheet.

This budget sheet takes up two pages when printed: Go to Printable version

NAME:

DATE:

NET MONTHLY INCOME (Take home)

 

 

 

 

 

 

 

 

 

 

Do you juggle your bills each month, paying one but not another?  [ ] Yes   [ ]  No

 

Are you living off your credit cards or other line

of credit?  [ ] Yes   [ ]  No

 

Are you receiving financial assistance from a friend or relative?  [ ] Yes   [ ]  No

 

Do you have seasonal expenses like clothing for school, high heating bills, and high air-conditioning bills?  [ ] Yes   [ ]  No

 

Income 1

 

Income 2

 

Extra income

 

 

 

 

 

1. Total monthly income   

 

2. (-minus) Expenses   

 

3. Balance

 

 

 

HOUSING

Cost

ENTERTAINMENT

Cost

Mortgage or rent

 

Video/DVD

 

Phone

 

CDs

 

Electricity

 

Movies

 

Gas

 

Concerts

 

Water and sewer

 

Sporting events

 

Cable

 

Live theater

 

Waste removal

 

Other

 

Maintenance or repairs

 

Other

 

Supplies

 

Other

 

Other

 

 

 

Subtotal

 

Subtotal

 

 

 

  

TRANSPORTATION

Cost

LOANS

Cost               Total Owed

Vehicle payment  

 

Personal

 

 

Bus/taxi fare

 

Student

 

 

Insurance

 

Credit card

 

 

Licensing

 

Credit card

 

 

Fuel

 

Credit card

 

 

Maintenance

 

Medical

 

 

Other

 

 Other

 

 

Subtotals

 

Subtotals

 

 

 

 

  

INSURANCE

Cost

TAXES

Cost               Total Owed

Home

 

Federal

 

 

Health

 

State

 

 

Life

 

Local

 

 

Other

 

Other

 

 

Subtotal

 

Subtotals

 

 

 

 

FOOD

Cost

SAVINGS OR INVESTMENTS

Cost

Groceries

 

Retirement account

 

Dining out

 

Investment account

 

Other

 

 

Other

 

 

Subtotal

 

Subtotal

 

 

 

 

PETS

Cost

GIFTS & DONATIONS          

Cost

Food

 

 

 

Medical

 

Charity 1

 

Toys

 

Charity 2

 

Grooming

 

Charity 3

 

Other

 

 

 

Subtotal

 

Subtotal

 

 

 

 

PERSONAL CARE

Cost

LEGAL

Cost

Medical

 

Attorney

 

Hair/nails

 

Alimony

 

Clothing

 

Child Support

 

Dry cleaning

 

Payments on lien or judgment

 

Health club

 

Restitution 

 

Organization dues or fees

 

 

 

Other

 

 

 

Subtotal

 

Subtotal

 

 

 
 

 

Did your bank freeze your account and report you to ChexSystems?

NO CREDIT CHECK

Account Now®

accepts automatic deposits and features Bill Pay!

 

 

 

 

 

 

 

 

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