Will The Vibe Economy Become A Vapor Economy?
By: Howard Dvorkin | Source: Forbes
“While we’re living in the vibe economy right now, we still have a chance to avoid a vapor economy.”
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Hopes for an $8 Late Fee Max Are Dashed. Here Are Some Cards That Charge No Late Fees
By: Dawn Papandrea | Source: US News & World Report
“Capping late fees at $8 solves nothing, although I do think a $35 or $40 late penalty fee is outrageous,” “These days, $8 is basically the price of a breakfast sandwich. So while I embrace any idea that helps Americans struggling with debt in this era of economic uncertainty, I don’t see this moving the needle.”
In trying to save you money, President Trump is costing you money
By: Howard Dvorkin | Source: South Florida Sun Sentinel
Each plan was touted as “affordability.” None of them are. I say that as someone who has spent three decades studying household budgets and helping people get out of personal debt — mostly caused by credit cards and student loans.
Credit card debt hits record $1.28 trillion. Here’s why — and how to get ahead of it.
By: Ivana Pino | Source: Yahoo!Finance
“While most experts will correctly look at recent economic numbers, I also look at the history of the American consumer,” “If they’re in their prime earning years, they’ve survived the perfect storm of recession, pandemic, and inflation,”
Why are credit card rates so high right now? Here’s what experts say.
By: Aly J Yale | Source: CBS News MoneyWatch
“Credit card APRs are typically tied to the prime rate, which moves with Fed policy,” says Howard Dvorkin, chairman of Debt.com. “But unlike mortgages or auto loans, credit card rates adjust upward fast and come down slowly.”
5 Best Ways for Millennials To Consolidate Debt With Personal Loans
By: Gabriel Vito | Source: AOL
“The problem is when you have bad credit, you’re not getting that super-low 8 to 10% interest rate,” said Howard Dvorkin, chairman of Debt.com. “In extreme cases, you might not save a dime, because the personal loan might actually charge more than the interest on your existing credit cards.”
Student loan wage garnishment is back, and a half-million Floridians are at risk
By: Max Klaver | Source: The Miami Herald
“Wage garnishing is tremendously disrupting, to say the least,” said Howard Dvorkin, founder of Debt.com. “Garnishment is coming right out of the top when you get paid. There’s no float, you can’t play games.”
Which Student Loan Should I Pay Off First?
By: Sarah Sharkey | Source: Credible
“If you’re the kind of person who’s impatient and needs to see progress, or you get discouraged, then the snowball method is better than nothing,” says Howard Dvorkin, CPA and Chairman of Debt.com. Dvorkin continues, “But if you can keep your eye on the prize, go avalanche all the way.”
Credit card debt forgiveness mistakes to avoid in 2026
By: Aly J Yale | Source: CBS News MoneyWatch
“Credit card issuers decide their interest rates according to their own formulas,”
HELOCs vs. cash-out refinancing: Which one will be better in 2026? What experts say
By: Brendan Dyer | Source: CBS News MoneyWatch
“The American Dream can turn into the American Nightmare real fast if you make bad financial decisions and if you don’t understand the long-term ramifications of those decisions,” “Taking equity out of your house to pay for things that are going to depreciate, like a car or a vacation, or paying off credit cards, is not a smart move.”
The Subprime Headlines That Defined Credit in 2025
By: Eric Bank | Source: BadCredit.org
“Instead, with the CFPB diminished, I expect 2026 to be the Year of Bad Actors,”
With surging auto debt and repos across US, car-dependent Miami feels the pain
By: Max Klaver | Source: The Miami Herald
But since many Americans lack access to reliable public transportation, “cars aren’t an option, they’re a necessity,” especially for working adults, said Howard Dvorkin