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New federal law beefs up credit-counseling standards (Arizona Daily Star) - President Bush recently signed the Pension Protection Act of 2006. Why does The Debt Adviser care?. 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.. When Debt Mounts, Take Action to Prevent Foreclosure (Ridgecrest Daily Independent) - (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.. 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.. Following a budget can set you free (Boston Globe) - Most people can tell you pretty much to the penny how much their mortgage or rent is every month. They can tell you how much they pay each month for their car loan.. Mother walks a fine line (Kansas City Star) - Teresa Bates knows she probably is paying too much for the fuel-thirsty, five-year-old Ford Explorer she bought this summer at a used-car lot that caters to the credit-challenged.. PAUL WENSKE IN YOUR CORNER: New wrinkle in easy credit leads to ever-higher rates (Kansas City Star) - A review of bankruptcy records confirms many Americans are burning out on alternative sources of credit.. Unpaid taxes up ante for all (Rochester Democrat and Chronicle) - Tax delinquents in Monroe County owe millions of dollars each year in unpaid county, town and school property taxes, forcing those who pay on time to pick up the slack.. Judges at odds over evaluation program (Journal and Courier) - A Tippecanoe County judge's displeasure with a program that provides court-ordered drug and alcohol evaluations means about seven county employees could lose their jobs by the end of the year..