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Buyer Beware: Debt Collectors And Your Rights (WYFF via Yahoo! News) - This week, three private debt collection agencies will begin to collect back taxes on behalf of the Internal Revenue Service.. Expert Advises How To Choose Reputable Credit Counselors (NBC 5 Dallas Fort Worth) - Dallas has the lowest average credit score in the country, but when you want to clean up your credit and pay off debt, whom can you trust?. Pension law also changes credit counseling (Bankrate.com via Yahoo! Finance) - Tucked into the new law were 5 consumer-friendly provisions that toughen the standards for counselors, says Steve Bucci, the Debt Adviser.. Women Should Take Control of Their Financial Futures (SmartPros Accounting) - Ask almost any woman who's thought about retirement or debt management. Not that she's likely to answer. "Money is a taboo subject.. Bankruptcy reform act adding insult to the injured (Long Island Business News) - The bankruptcy reform act that took effect on Oct. 17, 2005, has had consequences for people suffering from an injury or illness that has sent them into debt.. Credit counselors can help when debt is deep (The News & Observer) - Q: My daughter is in debt and out of work with no way to pay it back.. Pension law changes rules for credit counseling (Bankrate.com) - Good question. Well, there were several unrelated provisions attached to the bill that became law. In this case they are good ones that toughen standards for credit counseling organizations.. Behind credit cards' allure (San Jose Mercury News) - As both a professional consumer counselor and the mother of a 19-year-old son who is about to go off to college, Connie Kilmark has no qualms about what to do with the three or so credit-card applications the young man receives in the mail each week.. Tide of bankruptcy filings on rise again (Kansas City Star) - Tough congressional reforms aimed last year at halting the record rise in consumer bankruptcies at first appeared to be working. Filings plunged in the first half of 2006 to the lowest levels in 20 years.. Freshmen, put down those credit cards (Orange County Register) - Some college students don't realize what they're really doing when they use plastic..