Credit Counseling vs Debt Settlement

You've seen the ads: credit counseling companies say they can help by getting your payments and interest rates lowered. Others claim they can get your debts wiped out entirely by settling them for pennies on the dollar. Money reporter Stacy Johnson takes an inside look at these companies.

You’ve seen the ads: credit counseling companies say they can help by getting your payments and interest rates lowered. Others claim they can get your debts wiped out entirely by settling them for pennies on the dollar. Money reporter Stacy Johnson takes an inside look at these companies.

1,686 Active Deals

SanDisk Outlet Store: Up to 75% off + 17% off + free shipping w/ $75

SanDisk Outlet Store takes an extra 17% off its selection of items, already reduced by up to 75% off, via coupon code "LABORDAY17". Shipping starts at $6, but orders of $75 or more qualify for free shipping. Items on offer include flash drives, memory cards, and cables.

SanDisk Outlet Store: Up to 75% off + 17% off + free shipping w/ $75

SanDisk Outlet Store takes an extra 17% off its selection of items, already reduced by up to 75% off, via ... Read more.

Updated: 2 weeks 6 days ago

Kobalt Garage Storage System for $7 + pickup at Lowe's

For in-store pickup only, Lowe's offers the Kobalt Garage Storage System for $7.49. That's $22 off and the lowest price we could find. It fits on on Kobalt garage tool bases and measures 27" x 18". Deal ends October 18.

Kobalt Garage Storage System for $7 + pickup at Lowe's

For in-store pickup only, Lowe's offers the Kobalt Garage Storage System for $7.49. That's $22 off and the lowest price ... Read more.

Updated: 5 days 5 hr ago

Today, Apple announced its new iPhone X, which includes an all-new 5.8" Super Retina OLED display that stretches nearly edge to edge without a bezel. You can now tap the display to wake up the phone, and unlock it using Face ID. It has an A11 Bionic chip neural engine, 12-megapixel dual rear camera with dual OIS, wireless charging, Bluetooth 5.0, and water and dust resistance. It comes in 64GB and 256GB models from $999.

It can be ordered beginning October 27 for delivery by November 3.

Apple Unveils New iPhone X from $999

Today, Apple announced its new iPhone X, which includes an all-new 5.8" Super Retina OLED display that stretches nearly edge ... Read more.

Updated: 1 week 2 days ago

The North Face at Backcountry: Up to 55% off + 20% off + free shipping w/ $50

Backcountry cuts up to 55% off a selection of The North Face men's, women's, and kids' apparel, shoes, and accessories. (Prices are as marked.) Plus, take an extra 20% off when you add to cart. That beats August's mention of just an extra 15% off and is the best sale we've seen on these items all year. Shipping starts at $5.95, but orders of $50 or more qualify for free 2-day shipping. After discount, accessories start as low as $10.38, men's T-shirts at $11.17, men's jackets at $41.58, and women's jackets at $55.41. Size availability for many items is limited.

The North Face at Backcountry: Up to 55% off + 20% off + free shipping w/ $50

Backcountry cuts up to 55% off a selection of The North Face men's, women's, and kids' apparel, shoes, and accessories. ... Read more.

Updated: 7 hr 8 min ago

Lowe's Clearance Sale: Up to 75% off + free shipping

Lowe's takes up to 75% off clearance items. (Most prices are as marked, but some items receive discounts in cart.) Plus, MyLowe's members bag free shipping on most orders. (Not a member? It's free to join. Larger items may incur oversized shipping fees.) A couple of best bets:

Allen + Roth Glenlee Stripe Deep Seat Patio Chair Cushion for $24.98 + pickup (pictured, $25 off)

Whirlpool 25.2-Cubic Foot French Door Refrigerator w/ Ice Maker for $1,096 + $0 s&h in-cart (low by $203, $1,529+ elsewhere)

Lowe's Clearance Sale: Up to 75% off + free shipping

Lowe's takes up to 75% off clearance items. (Most prices are as marked, but some items receive discounts in cart.) ... Read more.

Updated: August 28, 2017

Moosejaw 96-Hour Sale: Up to 90% off + 20% off + free shipping w/ $35

Moosejaw takes up to 90% off a selection of clothing, shoes, and camping gear during its 96-Hour Sale. Plus, coupon code "CHEESYTOTS" cuts an extra 20% off. Shipping starts at $5.95, but orders of $35 or more bag free shipping. Some exclusions apply. Deal ends September 25.

Moosejaw 96-Hour Sale: Up to 90% off + 20% off + free shipping w/ $35

Moosejaw takes up to 90% off a selection of clothing, shoes, and camping gear during its 96-Hour Sale. Plus, coupon ... Read more.

Updated: 15 min ago

Khombu Men's River Sandals for $5 + free shipping

For its members, Costco offers the Khombu Men's River Sandals in Black or Brown for $4.97 with free shipping. (Non-members pay a 25-cent surcharge.) That's a very low price for men's sandals, especially Khombu brand. (For further comparison, used pairs start at around $10 before shipping on eBay.) They come in select sizes from 10 to 12 9 to 13.

Khombu Men's River Sandals for $5 + free shipping

For its members, Costco offers the Khombu Men's River Sandals in Black or Brown for $4.97 with free shipping. (Non-members ... Read more.

Updated: 4 days 1 hr ago

Charvat v. Carnival Class Action Lawsuit

As part of a class action lawsuit, those who received pre-recorded telemarketing calls from Resort Marketing Group (RMG) between July 2009 and March 2014 may be entitled to monetary compensation. The suit alleges that RMG violated the Telephone Consumer Protection Act by making pre-recorded calls without express consent. Click here to read more about how to make a claim. Claims must be filed by November 3.

Charvat v. Carnival Class Action Lawsuit

As part of a class action lawsuit, those who received pre-recorded telemarketing calls from Resort Marketing Group (RMG) between July ... Read more.

Updated: August 14, 2017

Jos. A. Bank Men's Spread Collar Dress Shirt for $12 + free shipping

Jos. A. Bank offers its Jos. A. Bank Men's Executive Collection Tailored Fit Spread Collar Stripe Dress Shirt in Blue or Purple for $12.49. Plus, Bank Account Rewards members get free shipping. (Not a member? It's free to join.) That's tied with last week's mention, $57 off, and the lowest price we could find. It's available in select sizes from 15.5x33 to 16x34 16.5x34. Deal ends October 1.

Jos. A. Bank Men's Spread Collar Dress Shirt for $12 + free shipping

Jos. A. Bank offers its Jos. A. Bank Men's Executive Collection Tailored Fit Spread Collar Stripe Dress Shirt in Blue ... Read more.

Updated: 1 hr 52 min ago

As part of a class action lawsuit, customers who purchased certain Honest Diapering, Cleaning, or Personal care products between January 17, 2012 and July 10, 2017 may be entitled to cash compensation. The suit alleges that Honest engaged in deceptive practices in their advertising and labeling of products. Eligible customers can receive $2.50 for each item with proof of purchase, and up to ten items without proof of purchase. Click here to find out more information. Claims must be submitted by October 23.

Honest Products Class Action Settlement

As part of a class action lawsuit, customers who purchased certain Honest Diapering, Cleaning, or Personal care products between January ... Read more.

Updated: August 26, 2017

Walmart continues to discount thousands of items as part of its End of Summer Clearance Sale. Opt for in-store pickup to dodge the $5.99 shipping fee, or receive free shipping on orders of $35 or more. A couple of best bets:

Rotor Remote Outdoor Amplified HDTV Antenna for $28.99 + $0 s&h (low by $6)

Skywalker 14' Round Trampoline and Enclosure Combo for $189 + $0 s&h (low by $41)

Walmart End of Summer Clearance Sale

Walmart continues to discount thousands of items as part of its End of Summer Clearance Sale. Opt for in-store pickup ... Read more.

Updated: 1 day 2 hr ago

Walmart continues to discount a selection of apparel, furniture, toys, appliances, and more as part of its Warehouse Clear-Out. Choose in-store pickup to dodge the $5.99 shipping fee, or receive free shipping on orders of $35 or more. (Larger items may incur additional shipping fees.) A couple of best bets:

Fire Pit with PVC Cover for $77.58 (low by $16)

Torin Adjustable Table Tool Cart for $82 ($17 off)

Walmart Warehouse Clear-Out

Walmart continues to discount a selection of apparel, furniture, toys, appliances, and more as part of its Warehouse Clear-Out. Choose ... Read more.

Updated: 4 days 2 hr ago

Patagonia Sale at Steep & Cheap: Up to 65% off

Fall is on the horizon and we're restocking our closets with all things warm and wintry in preparation for the cooler weather. That's made all the easier this month thanks to the wide selection of end-of-season sales coming your way. Steep & Cheap is leading the pack too, not only with The North Face sale we listed yesterday, but again with big discounts on last season's Patagonia apparel.

The store is knocking up to 65% off a wide selection of Patagonia outerwear, pants, backpacks, and more in last season's colors, with prices starting at $11.60. Shipping starts at $6.31. A couple of best bets from the sale (you will see these prices in the drop-down menu when you select your color on the product page):

Patagonia Ironwood 20-Liter Backpack for $37.95 + $6 s&h ($7 low)

Patagonia Women's Sidesend Jacket for $71.52 + $7 s&h (pictured, $10 low)

Patagonia Men's Nano-Air Insulated Jacket for $87.15 + $7 s&h ($65 low)

See more from Steep & Cheep's Patagonia Sale

Patagonia Sale at Steep & Cheap: Up to 65% off

Fall is on the horizon and we're restocking our closets with all things warm and wintry in preparation for the ... Read more.

Updated: 1 day 5 hr ago

Upcoming: Netflix 2-Screen Subscription: free w/ T-Mobile

Beginning September 12, T-Mobile will offer its customers a Netflix Standard 2-Screen Monthly Subscription for free when they sign up for two or more lines on a T-Mobile One wireless family plan. That's a savings of $10 per month. Customers can activate and link their existing Netflix service within their T-Mobile account. (T-Mobile will pay Netflix directly.) Click here for more information.

Note: The $9.99 monthly value can also be applied to other Netflix plans.

Upcoming: Netflix 2-Screen Subscription: free w/ T-Mobile

Beginning September 12, T-Mobile will offer its customers a Netflix Standard 2-Screen Monthly Subscription for free when they sign up ... Read more.

Updated: 2 weeks 2 days ago

Jet.com Patio and Garden Warehouse Blowout: Up to 30% off $100 + free shipping w/ $35

Jet.com takes an extra 20% off a selection of patio furniture, grills and smokers, storage, outdoor decor, and more via coupon code "GARDEN20" during its Patio and Garden Warehouse Blowout. Alternatively, cut an extra 30% off orders of $100 or more via coupon code "GARDEN30". (A $100 maximum discount applies for both coupons.) Shipping adds $5.99, but orders of $35 or more bag free shipping. Some exclusions may apply. Deal ends September 26.

Note: You can also receive additional discounts during checkout by waiving free returns or by choosing select payment options.

Jet.com Patio and Garden Warehouse Blowout: Up to 30% off $100 + free shipping w/ $35

Jet.com takes an extra 20% off a selection of patio furniture, grills and smokers, storage, outdoor decor, and more via ... Read more.

Updated: 1 hr 1 min ago

It's not the usual blah, blah, blah

Retail chain Toys"R"Us has filed for bankruptcy in the United States and Canada. Per reports from several news outlets, the 60-year-old company has racked up nearly $5 billion in debt. There are currently 1,600 Toys"R"Us and Babies"R"Us retail locations worldwide, which are expected to operate as usual for now.

Toys"R"Us Files for Bankruptcy

Retail chain Toys"R"Us has filed for bankruptcy in the United States and Canada. Per reports from several news outlets, the ... Read more.

Updated: 3 days 5 hr ago

Joe's New Balance Outlet: 40% to 50% off + free shipping

Joe's New Balance Outlet takes 50% off men's and women's trail shoes and walking shoes via coupon code "TRAILEXTRA10". Plus, the same code unlocks free shipping. Even better, take at least 40% off everything else as part of the Friends and Family Sale. (Coupon code "DOLLARSHIP" unlocks $1 for shipping for those orders.) Some exclusions may apply. Deal ends September 22.

Joe's New Balance Outlet: 40% to 50% off + free shipping

Joe's New Balance Outlet takes 50% off men's and women's trail shoes and walking shoes via coupon code "TRAILEXTRA10". Plus, ... Read more.

Updated: 1 day 20 hr ago

The Walking Company End of Season Sale: Shoes from $10 + free shipping

The Walking Company discounts a selection of its men's and women's shoes as part of its End of Season Sale, with deals starting at $9.99. (Prices are as marked.) Plus, all orders bag free shipping. That's the best sale we've seen from The Walking Company in a year. Some exclusions apply. Among the discounted brands are Ecco, Dansko, and OluKai. Deal ends September 25.

The Walking Company End of Season Sale: Shoes from $10 + free shipping

The Walking Company discounts a selection of its men's and women's shoes as part of its End of Season Sale, ... Read more.

Updated: 2 days 4 hr ago

Upcoming: Museum Day Deal: Admission for 2 for free

On September 23, Smithsonian Magazine will offer free general admission for two people to select museums when you register for Museum Day Live!. (Fill out the short form for your tickets.) That's the best deal we've seen for this many museums since this same event last year. More than 1,000 museums across the U.S. are participating. Click here to find a participating museum near you. A limit of one museum visit for two people per household applies.

Upcoming: Museum Day Deal: Admission for 2 for free

On September 23, Smithsonian Magazine will offer free general admission for two people to select museums when you register for ... Read more.

Updated: September 1, 2017

Oakley Clearance Sale: 50% off + free s&h w/ $50

Oakley takes 50% off a selection of men's and women's clearance apparel and accessories, with prices starting at $5. (Prices are as marked.) Shipping adds $8, or bag free shipping on orders over $50.

Oakley Clearance Sale: 50% off + free s&h w/ $50

Oakley takes 50% off a selection of men's and women's clearance apparel and accessories, with prices starting at $5. (Prices ... Read more.

Updated: 1 day 2 hr ago

Johnston & Murphy Men's Samford Shoes for $50 + free shipping

Jos. A. Bank offers the Johnston & Murphy Men's Samford Moc Toe Shoes in Dark Brown for $50.23 with free shipping. That's $85 off list, $25 under our January mention, and the lowest price we've seen. (It's also a good deal for a pair of Johnston & Muprhy men's dress shoes.) They're available in select sizes from 8.5 to 11.5.

Johnston & Murphy Men's Samford Shoes for $50 + free shipping

Jos. A. Bank offers the Johnston & Murphy Men's Samford Moc Toe Shoes in Dark Brown for $50.23 with free ... Read more.

Updated: 23 hr 7 min ago

Blu-ray and 4K Blu-ray Movies: Buy 1, get 2nd free + pickup at Best Buy

At Best Buy, buy one select Blu-ray or 4K Blu-ray movie and get a second movie of equal or lesser value for free. Plus, get an additional $1 off, dropping prices to as low as $6.99, when you order via in-store pickup using the instructions below. Eligible titles include The Secret Life of Pets, Jason Bourne, Jurassic World, Baseketball, and several multi-movie sets. To get all discounts:

Select two Blu-ray movies from $7.99

in cart, select "Shipping" for your delivery method (do not choose in-store pickup at this time)

proceed to checkout

at checkout in the shipping section, "$1 off" should appear in green text beside the "Today ... at a Best Buy store" option

change your delivery method to this in-store pickup option get an extra $1 off your order

Blu-ray and 4K Blu-ray Movies: Buy 1, get 2nd free + pickup at Best Buy

At Best Buy, buy one select Blu-ray or 4K Blu-ray movie and get a second movie of equal or lesser ... Read more.

Updated: 3 days 12 hr ago

AMC Theatres Movie Tickets for $5 every Tuesday

At participating AMC Theatres locations, AMC Stubs members can get movie tickets for Tuesday showtimes for $5 each. (Not a member? It's free to join. The tickets must be purchased at the box office to get this deal.) Plus, Stubs members can get a 21-oz. fountain drink and Cameo-sized popcorn for $5 via this printable coupon. (It's also valid only on Tuesdays.) Some exclusions apply, and upcharges may apply for premium movie formats. Both deals end October 31.

AMC Theatres Movie Tickets for $5 every Tuesday

At participating AMC Theatres locations, AMC Stubs members can get movie tickets for Tuesday showtimes for $5 each. (Not a ... Read more.

Updated: 1 week 3 days ago

BustedTees takes 50% off select regularly-priced T-shirts via coupon code "FCKQHNP". Shipping adds $6.99. Some exclusions apply, including sale items.

BustedTees coupon: 50% off

BustedTees takes 50% off select regularly-priced T-shirts via coupon code "FCKQHNP". Shipping adds $6.99. Some exclusions apply, including sale items. Read more.

Updated: 1 day 14 hr ago

Apple Unveils New iPhone 8 and iPhone 8 Plus from $699

Today, Apple unveiled its new iPhone 8 and iPhone 8 Plus models. Available in Silver, Space Grey, and Gold, it now has both a glass front and back, with an overall steel-reinforced design. They have a 4.7" and 5.5" Retina HD display, respectively, as well as a new A11 Bionic 6-core CPU. Also included is a 12-megapixel rear camera with optical image stabilization on both models (dual camera on the Plus model), Bluetooth 5.0, wireless charging, and water and dust resistance. It'll come in 64GB and 256GB options, from $699 for the iPhone 8, and from $799 for the 8 Plus.

It can be ordered starting September 15, for delivery on September 22.

Apple Unveils New iPhone 8 and iPhone 8 Plus from $699

Today, Apple unveiled its new iPhone 8 and iPhone 8 Plus models. Available in Silver, Space Grey, and Gold, it ... Read more.

Updated: 1 week 2 days ago

Upcoming: Uber Ice Cream: free on Fridays

Starting August 11, Uber will offer free ice cream to users in select cities on Fridays. Open the Uber app and request ice cream; if you get a match, you can reserve a soft serve cone for yourself and up to four friends. In addition to the ice cream, you'll also receive a free collectible Uber cone, which you can take to a participating McDonald's for a refill every Friday through September 22. Click here for more information, including a list of eligible cities.

Upcoming: Uber Ice Cream: free on Fridays

Starting August 11, Uber will offer free ice cream to users in select cities on Fridays. Open the Uber app ... Read more.

Updated: August 10, 2017

Southwest Nationwide Fares at Thanksgiving from $39 1-way

Southwest Airlines via DealBase discounts Southwest Airlines 1-Way Fares Nationwide with prices starting at $38.98. (On the DealBase landing page, click on "Southwest Airlines" in the top line to see this sale.) That's a buck below last week's fares and the lowest price we could find for select routes today by at least $20. Note that blackout dates and other conditions may apply. Book this travel deal by September 24 for travel from November 17 through November 28.

All prices, dates, and booking details were valid at the time of publication.

Southwest Nationwide Fares at Thanksgiving from $39 1-way

Southwest Airlines via DealBase discounts Southwest Airlines 1-Way Fares Nationwide with prices starting at $38.98. (On the DealBase landing page, ... Read more.

Updated: 4 hr 58 min ago

ThinkGeek Fall Blowout Clearance: Up to 80% off + free shipping w/ $75

ThinkGeek takes up to 80% off a wide selection of items as part of its Fall Blowout Clearance. Shipping starts at $5.95, or spend $75 or more for free shipping. Shop for home goods, apparel, and accessories from popular franchises such as Harry Potter, Doctor Who, Star Wars, Star Trek, and many more.

ThinkGeek Fall Blowout Clearance: Up to 80% off + free shipping w/ $75

ThinkGeek takes up to 80% off a wide selection of items as part of its Fall Blowout Clearance. Shipping starts ... Read more.

Updated: 3 days 4 hr ago

Apple Introduces the Apple Watch Series 3 from $329

Today, Apple introduced the Apple Watch Series 3. The newest version of Apple's smartwatch features built-in cellular, to allow for phone calls without the need to pair with your phone, as well as a new W2 dual-core processor that enables Siri to talk on your watch. It also has an altimeter and remains the same size as the Series 2. With cellular, the new Apple Watch starts at $399, and it can be had without cellular for $329.

The Nike+ version has new color bands and an updated app.

You can preorder on September 15, for delivery on September 22.

Apple Introduces the Apple Watch Series 3 from $329

Today, Apple introduced the Apple Watch Series 3. The newest version of Apple's smartwatch features built-in cellular, to allow for ... Read more.

Updated: 1 week 2 days ago

Lauren Ralph Lauren Men's Dress Shirt for $21 + free s&h w/beauty item

Macy's offers a Lauren Ralph Lauren Men's Non-Iron Dress Shirt in a selection of styles (Warren Classic pictured in Plaid) for $29.99. Coupon code "VIP" cuts the price to $20.99. Pad your order with a beauty item (they start at $2.55 after the coupon) to bag free shipping; otherwise, shipping adds $10.95. That's $9 under last month's mention (although you could get four shirts for $59.98 then) and is the lowest price we could find for any similar shirt by $21. It comes in sizes 15.5 32/33 to 17.5 36/37. Deal ends September 25.

Lauren Ralph Lauren Men's Dress Shirt for $21 + free s&h w/beauty item

Macy's offers a Lauren Ralph Lauren Men's Non-Iron Dress Shirt in a selection of styles (Warren Classic pictured in Plaid) ... Read more.

Updated: 3 days 10 hr ago

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