Individual

Tips to help you avoid spending more than you have to — or responding to a bogus offer posted by a scammer.

Collectors may not be able to sue you to collect old debts. The statute of limitations varies among states and for different kinds of debts.

When you use layaway, you put down a deposit and pay for the item over time. You take the item home only after you’ve paid for it in full. Ask questions about how particular layaway plans work.

If you owe back taxes, try to negotiate with the IRS or your state comptroller on your own. Tax relief companies can’t do anything for you that you can’t do for yourself.

If you’re thinking about giving to a charity, do your research to avoid fraudsters who try to take advantage of your generosity. Here are tips to help make sure that your charitable contributions actually go to the cause you support.

U.S. bankruptcy law requires credit counseling before you file for bankruptcy and debtor education after you file.

Extended warranties provide for the repair or maintenance of a product for a specific time. Depending on the terms, an extended warranty may not be worth the expense.

Reverse mortgages let you cash in on the equity in your home: these mortgages can have serious implications.

Comparing written warranties can make a difference in your purchasing decisions.

Want to buy a business? Here’s how the Business Opportunity Rule can help you evaluate the opportunity — and the seller.