Mike Killian
MS Counseling, National Association of Certified Credit Counselors
Free
Debt Reduction and Credit Wisdom Expert
Mike Killian Quick Facts
- Main Areas
- Debt Reduction and Credit Wisdom
- Career Focus
- Writer, Counselor, Speaker, Motivator
Mike is a member of the National Association of Certified Credit Counselors and has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year.
He has also offered debt elimination seminars to businesses and community colleges for the last 9 years. He has been interviewed on the radio a number of times and referenced in numerous publications both in the newspaper and throughout the Internet financial community.
Mike got his start in this field while serving in the US Air Force from which he retired in 1984. He received his M.S. in Counseling from Creighton University in Omaha Nebraska. His Practicum was in financial counseling to military families. 10 years later he was offering 1:1 debt counseling to families in need of his consumer advocate approach to controlling debt.
Mike paid the price for his integrity in consumer advocacy when his website was taken away from him in August 2005. Now he offers you his passion, integrity, and extensive experience in the field of credit and debt management on his newest site, Learning Credit and Debt Management, without having to bend to the powers of the credit and counseling industries.
Some of his articles include:
Free Audio & Video Samples
Articles by this expert
SelfGrowth articles and saved writing connected to this expert.
Article
40% Tax-Free Pay Raise
If you are an employee, you can get a 40% pay raise without ever asking the boss. And it's all tax-free. Similarly, if you are an employer, you can show each of your employees how they can earn a 40% pay raise and it won't cost the employer a thing. Before writing me off as being a pair short of ...
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How Bad Is Your Debt Vulnerability?
The American consumer is looking at a very scary environment! He/she is also becoming more and more vulnerable to serious debt collection issues. The new bankruptcy law, increased minimum credit card payment, tightening of debt counseling options, exceptionally easy access to very high credit ...
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Debt Priority - Emergency Hierarchy Of Debt
What do you do when all of a sudden the month is just beginning and the $$$$'s aren gone? You put the emotion away and get crackin' with bill priorities and some cold hard facts about your bills... and maybe even the priorities in your life. Believe it or not, some bills are definitely more ...
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5 Proven Steps To Budget Motivation
If you ever wanted to get ahead financially… if you ever thought you wanted to get out from under a sea of debt… if you ever wondered where the money went… YOU NEED A BUDGET! But how do you develop a good budget and how do you stick with it? Developing a Workable BudgetnReview ...
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Fundamentals of Paying Your Debts
Okay, you feel your debt is out of control and it is too late to say, "I wish I had taken action sooner." What do you do? First of all you don't panic and you keep things as simple as possible. Secondly, look to see just how bad it really is. Third, decide which of 4 actions to take with your ...
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Divorce, Debt & Credit... Facts you need to know
Before a divorce, during, and after getting a divorce you need to conce yourself with credit... credit establishment, credit files and credit scores. Though divorce and credit is a conce for both men and woman, woman tend to have the greater credit difficulty due to societal standards. ...
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Judgements, Liens, and Other Legal Issues
In the field of debt collection and delinquencies, judgments and judgment risk factors are a very real concern. Will a creditor sue and seek legal judgment against me? If he does, what type judgment might it be? What exactly is a judgment and what can I do about it? These are just some of the ...
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Is a Home Equity Loan a Wise Decision?
When the month continues to live on well after the money is spent, a very logical approach is to utilize the equity in your home to alleviate the pressure. But is this a good idea or a bad one? Take a look. Consolidating may free up your dollars, but at what cost? Usually consolidating debt ...
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Senior Debt - A Growing Problem
Chris Tapp, UK deputy director of Credit Action, said: "Retirement should be a time for some well-ea ed relaxation, but for all too many it is a time of financial stress… when we consider that inflation hits the over-60s hardest, pension provision is looking increasingly shaky, and we ...
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Credit Cards - They are Just Like Drugs
Credit cards are just like drugs. There is no better analogy. They offer short-term pleasure and long-term pain. They give the illusion of having more money than you actually do. Then you live with less because each month a portion of your income is siphoned away paying past credit debt. A ...
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Protecting You, The Consumer
The Fair Debt Collection Practices Act (FDCPA) was established to protect the consumer from harassing and illegal tactics used by unethical and unscrupulous debt collectors. The act does not apply to the original creditor but does apply to someone other than the original creditor who tries to ...
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Credit Frauds You Can't Resist
File Segregation Scam If you have filed for bankruptcy or have bad credit generally, you could be the target of a fraud the Federal Trade Commission (FTC) calls “file segregation”. In this scheme, you are promised a chance to hide unfavorable credit information by establishing a ...
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