What is the oldest condiment you have in your fridge? Is it still good to eat, or has it expired? If you are like most people, you probably have a bottle of mustard or some salad dressing that should have been tossed out months — if not years — ago! If...

If you are struggling to pay your bills, working with a debt consolidation company to negotiate a single, lower monthly payment may seem like a great option. 

And sometimes it is. Consolidating your debt and negotiating a lower monthly payment — or even a lower balance — can be...