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The holidays are almost upon us, and that means the gift buying season has begun. According to a new survey from Credit Karma, Detroit has the highest credit card utilization rate in America for adults age 18 to 24. A credit card utilization rate is a ratio of a person’s credit... READ MORE

Deciding to seek counseling is often a difficult decision, which takes place over time. In most cases, people don’t feel comfortable when they see a counselor for the first time. Here are a few of the reasons that prevent or delay people from taking the steps to give... READ MORE