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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?. 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.. 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.. 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.. 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.. Study: Consumers in Tier don't save or invest enough (Press & Sun-Bulletin) - Binghamton-area consumers spend too much and don't save and invest enough, according to a study released this week. The metropolitan region ranks No. 430 out of 500 U.S. markets when it comes to personal savings and investing behavior, according to the second annual A.G. Edwards Nest Egg Index.. Savings rankings put Wichita in top 25% (The Wichita Eagle) - Wichita ranks in the top 25 percent in the nation for saving and building a nest egg, an A.G. Edwards study released Wednesday says.. JOB-RELATED MAJORS SOAR (The Monterey County Herald) - Alex Zatvornitsky has spent uncountable hours researching Loyola University Chicago, the school where he started classes as a freshman last month..