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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.. Don't use future money for past debt (Bankrate.com via Yahoo! Finance) - Keep your paws off the retirement account, says the Debt Adviser. It won't solve the fundamental problem of too much spending.. Don't use future money for past debt (Bankrate.com) - Dear Debt Adviser, I was laid off from my job a year and a half ago. I got another job but it doesn't pay as much. My husband and I are not able to keep up with our debt now. We have talked with a counselor but unless my husband finds a part-time job, there is no help.. When Debt Mounts, Take Action to Prevent Foreclosure (Sleepy Eye Herald Dispatch) - (ARA) - If you have experienced foreclosure, you're not alone. Within the last five years alone, more than 2.9 million households in the United States have experienced foreclosure.. 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.. 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?. The Debt Adviser: Get in the black, Jack, with these 50 debt-ridding tips (Fort Wayne Journal Gazette) - I had a song running through my head when I was thinking about debt and then had an epiphany: Not since Paul Simon advised couples on “50 Ways to Leave Your Lover” has there been such a need for a new list.. COMMUNITY CALENDAR (Dallas Morning News) - A FREE LEGAL CLINIC for Collin County residents who meet low-income criteria is offered at 6 p.m. the second Thursday of the month at First United Methodist Church, 601 S. Greenville Ave. Call 1-800-906-3045.. Families relocate gang members to save them (USA Today) - At a time when gang-related violence is boosting crime rates in Durham and many other cities, a few clergy, parents and even police in troubled communities across the nation quietly have been helping to relocate youths in last-ditch efforts to extricate them from gang life..