Articles written by Tom Koecke in Personal Finance

About me - Tom Koecke

With thirty years experience in consumer finance, having raised two daughters as a single father, and trying desperately to get through my second childhood, I bring two things to the table when I write: an overload of experience, and a sense of humor!

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Personal Finance > Managing Debt How to get out of debt: 49 of 68
Mark Twain once said, "it is easier to stay out than to get out." Alas, it was written many years ago, so people today may not understand its 'worldly nature' and 'ageless relativity.' What I just said is 'it applies to everything in the world all the time.' A test of logic is to consider the inversion: "it is more difficult... More..
Personal Finance > Managing Debt What traditional debt counselors don't want you to know: 6 of 7
One of the biggest secrets traditional debt counselors don't want you to know is that they do nothing for you that you would not be able to do for yourself. The fallacy that a person is unable to negotiate better terms and interest rates directly with a creditor is based on stereotyping debt collectors as evil and unreasonab... More..