All Posts By Carla R. Smith

State Department has made little progress in renewing passports online over the past decade

Written by Dave Nyczepir

The State Department has made “virtually no progress” on two passport system projects, one of which would allow people to renew their passports online, in the past decade, according to a report from the Office of the State Department. inspector general published Tuesday.

The OIG found that within the Office of Consular Affairs, the Passport Services Directorate (CA / PPT) relies too heavily on the Office of Consular Systems and Technologies (CA / CST) to manage its IT modernization initiatives. .

This over-reliance has delayed both online passport renewal and next-generation passport systems, which are part of the ConsularOne program launched in 2009 and which spent $ 59 million on passport projects in December 2020.

“If the online passport renewal system had been available, CA / PPT could have switched to remote working and retained a greater portion of incoming passport applications throughout the maximum telecommuting orders related to the COVID pandemic. -19 in 2020 ”, we read in the report. “However, as the system was not available, CA / PPT staff had to return to the office earlier than other department employees to clear the backlog of passport applications that had built up over the first few years. month of the pandemic. “

Only 13,002 passports were issued in May 2020, up from 1.8 million in May 2019, and revenues have increased from $ 852 million to $ 646 million.

The system targets for both systems in the passport services strategic plan for fiscal year 2020-2022 were “essentially unchanged” from plans dating back to fiscal 2010, according to the report.

The OIG found that CA / CST had not yet established a “sufficient” test environment that supported multiple scenarios for the online passport renewal system. The office started with an agile development approach before moving back to a sequential, step-by-step process.

Regarding the next-generation passport system, CA / CST struggled to develop software that could interface with new passport printers to print more secure passports. – delay a pilot until March 2021.

Although CA / CST was not part of the OIG investigation, an investigation into the ConsularOne program was subsequently launched in the spring.

For its part, CA / PPT lacked a project management process such as a collaborative performance evaluation plan, a communication plan and a risk management strategy. Senior staff were also not familiar with the project’s communication plans and did not document the contact points for each project, according to the report.

CA / PPT and CA / CST also failed to coordinate on interrelated project tasks, communication and planning. CA / CST was unable to provide CA / PPT with project timelines.

Accordingly, the OIG recommended that CA implement the department’s project management processes.

CA / PPT’s SharePoint site had broken hyperlinks and performance rewards information that hadn’t been updated since 2015. And its FAQ forum, PPT Answers, hadn’t been running since 2018, that’s why the OIG recommended CA to ensure that the content was regularly updated.

Finally, the OIG recommended that CA implement a process for storing archived advisory opinions on citizenship and passport adjudication matters so that they are searchable and easily retrievable.

CA agreed with all three recommendations in its July 29 response.

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Everything you need to know about passport requirements for vaccines in restaurants in Quebec

As of September 1, only fully vaccinated people aged 13 and over will be allowed to dine in Quebec and access other non-essential services. See below for a breakdown of some questions – and answers – about the system going into effect.

When will vaccine passports become compulsory for eating and drinking outside?

September 1st

How will it work?

To enter a non-essential service such as a restaurant or bar, Quebecers 13 years of age and over will need to present a QR code containing their proof of vaccination, as well as government-issued photo identification. The QR code can be presented via the VaxiCode mobile app, as a PDF file on a mobile device, or simply printed on paper. Once scanned, the merchant app will display the customer’s name and indicate whether they are properly vaccinated or not. (Homeless people do not need to present a vaccination passport to access a restaurant.)

When can I download the app?

Right now for Apple and Android users. The minimum compatibility requirements for the app are an iPod Touch, iPhone 6, or iPad with iOS 11 for Apple users, and a device running Android 8.1 for Google users. Once the app is downloaded, you need to import your QR code, which can be downloaded from the government self-service portal.

Will businesses use the same app?

No. Businesses will need to download a separate app, called VaxiCode Verif, to scan customers’ QR codes. Here is a video explaining how it works.

What if I don’t have a smartphone?

Its good. You can view the QR code directly from a PDF on a mobile device or download your QR code and print it. Anyone without access to a printer can call the COVID-19 hotline (1-877-644-4545) to receive a hard copy in the mail. Please note: the paper delivered to the vaccination centers is not a valid substitute for the QR code.

What if I don’t have photo ID?

For anyone aged 75 and over, one piece of non-photo identification is acceptable.

How will it work for adults with children 12 and under?

Children must provide an identity document proving their age.

People can still dine and drink on the terraces without proof of vaccination, right?

Wrong. Even those who hope to dine outdoors will have to hand in their vaccination passports.

Okay, but what if I need to go get some take out?

Passports for vaccines are not required at take-out or drive-through counters.

What about people who are not vaccinated for medical reasons? Can they still go out to eat?

Health officials say the number of people who are medically unable to get vaccinated is extremely low, especially given the different vaccines available. But in these rare cases, a doctor can provide the relevant documentation, and the person will receive a QR code allowing them to access restaurants, bars and other non-essential services.

What if I show up with a group of friends and one of us doesn’t have the required QR code?

Restaurants and bars following the protocol will have to refuse this person. (Note: The passport does not become valid until 7 days have passed since obtaining the second dose of the vaccine.)

What will happen to people caught trying to enter a restaurant with someone else’s QR code or a fabricated code?

Forging documents is a criminal offense. Anyone who does not follow protocol can face fines of $ 1,000 to $ 6,000.

I am not from Quebec. Can I go to a restaurant without their vaccination passport?

Yes, you will need to show official proof of vaccination from your home province or country, as well as photo ID containing proof of residence. The documentation must show that you have received two doses of Pfizer, Moderna, AstraZeneca, Covishield or one dose of Johnson & Johnson.

So restaurant workers will check vaccine passports and ID cards at the door, much like a bouncer in a club?

Yes, it sounds a bit like that. Although according to the Quebec restaurant lobby ARQ, restaurants will also be allowed to scan codes at the table, once customers are already seated (and potentially already unmasked), which seems to defeat the goal.

Does this mean that sanitary measures will be relaxed in restaurants?

No. Even though all customers sitting in restaurants and bars should be doubly vaccinated starting September 1, that doesn’t mean that “the environment is suddenly negative for COVID,” Dubé says. Transmission is still possible among vaccinated individuals, particularly with the delta variant involved, and some workers may not be vaccinated. Therefore, all the rules in force – wearing a mask while standing, spacing between tables, etc. – will continue to be applied.

Do catering workers also need to be fully vaccinated?

With 79 percent of the eligible population in Quebec (12 years and over) fully vaccinated, there is a good chance that many are already. However, for the moment, the government does not require the vaccination of hotel workers, saying it would be a violation of the labor code and “their right to work”.

Are there any privacy issues related to using the app?

Officials point out that location data is not accessible through the QR code, that VaxiCode apps work offline, and scanned information is not kept in the VaxiCode Verif app. In any case, the information contained in the QR code is quite limited: name, date of birth, and information concerning the vaccines received. According to some cybersecurity experts, the risks are low, but someone using another third-party QR scanning app could potentially log this information. Meanwhile, last week, reports circulated that information about the vaccination of some Quebec politicians had been hacked.

What if a restaurant decides to flout these rules?

The government is giving businesses a two-week grace period to adjust before imposing fines for non-compliance. Any establishment that does not respect the mandate risks being closed.

This message will be updated as soon as additional information on the vaccination passport becomes available.

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British passport expiration warning with old red version

A travel agent has issued a stern warning to Britons who still have old red passports.

The Plymouth branch of Hays Travel Plympton, the UK’s largest independent travel agent, has warned UK residents of the passport’s expiration, Plymouth Live Reports.

Red colored passports are now only valid for exactly 10 years, regardless of the additional months indicated.

Read more: Tesco Clubcard customers issued five-day warning by supermarket giant

A statement from Hays Travel Plympton called the issue “significant passport update changes.”

The statement read: “Due to changes in validity since you left Europe, your passport is now only valid for 10 years from the date of issue on your passport.

“If your passport was issued before the UK left the EU with extra months, those extra months are no longer valid.”

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The statement, shared on social networks, continues: “Example: passport issue date June 21, 2012, passport expiration date December 21, 2022.

“Your passport expiration date is now June 21, 2022.

“Most EU countries require your passport to be valid for six months from the date you return from vacation, some countries it’s three months, which means the last date you could return to the example above would be December 21, 2021. “

The warning urged British holidaymakers to heed the advice and follow all steps to renew their passports if they need to.

It comes as the latest changes to the international traffic light system were announced this week, which saw Canada and Denmark among seven countries to be greenlisted.

Thailand and Montenegro will be added to the red list, requiring travelers to enter a quarantine hotel upon return, with the changes due to go into effect at 4 a.m. on Monday, August 30.

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PH Passport Renewal Center in Los Angeles Coming Soon – Manila Newsletter

Filipinos living in the United States can renew their passports at an off-site center accredited by the Philippine government that will soon be opening in Los Angeles.

Philippine passport (file photo / Ministry of Foreign Affairs)

The Department of Foreign Affairs (DFA) announced that the Los Angeles Offsite Passport Renewal Center (PaRC) will be operated by VFS Global, a private outsourcing company, under a 2019 agreement with the government .

The Passport Renewal Center aims to meet the growing demand for electronic passport renewal applications in the United States. The opening date of the passport center has not yet been announced.

The opening of a VFS Global Philippine Passport Renewal Center (PaRC) in Los Angeles is a continuation of the global agreement between the Department of Foreign Affairs (DFA) and the VFS that began in 2019 “Consul General Edgar B. Badajos said in a statement.

Badajos explained that the Foreign Ministry made a pact with VFS Global following President Duterte’s order to government agencies “to streamline procedures and make e-passport renewal services faster and more convenient,” especially for overseas Filipinos ”.

The official also said that renewing the passport through the VFS Global PARC would not be mandatory.

VFS Global, which has established other passport service centers to serve Filipinos in other countries, will charge additional fees for its services.

“It is up to the applicant to decide whether they wish to apply through VFS Global or through the DFA-Global Online Nomination System (GOAS),” said the Consul General.

The Alternative Passport Renewal Center is looking to increase the work of the Philippine Consulate General in Los Angeles given its limited staff.

The Los Angeles Consulate General, which has jurisdiction over southern California, southern Nevada, and the state of Arizona, serves approximately 1.3 million Filipinos overseas.

“As of May 2021, the Consulate General has been processing the maximum number of applications for passports, dual nationality and other consular services that its limited premises and staff can accommodate and process on a daily basis,” the press release said.

“With the demand for passport renewal services far beyond the operational capacity of the consulate, it was felt that opening a VFS Global PaRC in Los Angeles would help resolve the problem,” he added.



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Passport renewal deadlines are getting worse: check status, speed up

If you are planning to leave the country this year, be aware that time is running out to renew your passport. The passport branch of the State Department is is experiencing serious delays:

  • Expedited service, which typically takes 2-3 weeks, now takes up to 12 weeks (plus an additional $ 60).
  • Current services can take 16-18 weeks.

Note that these 12 to 18 week deadlines start on the day your application is has received, not the day you mailed it, and the U.S. Postal Service is also experiencing significant mail delays. Amusing! You can pay an additional $ 17.56 for one to two days mail delivery of the completed passport.

If you want to know how much it will cost to renew your passport: here is a expense calculator. An adult passport card and book, shipped with express courier delivery, costs $ 217.56.

If you are in a hurry: You can try to make an appointment at a local passport agency (not to be confused with a passport acceptance center), which may require driving or flying to another city. New meeting times open at midnight online and disappear at 12:01 am. You can also call your local Congress representative for assistance in securing appointments, although they are overwhelmed too.

If you have a life-threatening emergency: Try to get an appointment at a passport agency and bring proof of urgency and proof that you are traveling within 72 hours. Also call your congressional representative for assistance.

If you have children: State Department operates in August and September passport fairs for first-time contestants and kids in Valley Center, Calif .; Punta Gorda, Florida; Middlefield, Ohio; Van Buren, Arkansas; and Weatherford, Texas. It’s a wonderful time for a vacation in Van Buren.

If you want to know where your passport is: You can sign up to receive email notifications that track your passport application as it floats through this clusterjam at passport status portal, but be aware that it takes up to six weeks for your request to appear in the system.

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Los Angeles offsite passport renewal center soon to open: DFA

(photo PPD)

MANILA – Another off-site passport renewal center will soon open in Los Angeles, California to meet the huge demand for e-passport renewal applications in areas under the jurisdiction of the Philippine Consulate General, the Philippine Consulate General said on Friday. Ministry of Foreign Affairs (DFA).

Philippine Consul General Edgar Badajos said the opening of a VFS Global Philippine Passport Renewal Center (PaRC) in Los Angeles is a continuation of the global DFA-VFS deal that began. in 2019.

“The DFA has entered into an agreement with VFS Global in accordance with President (Rodrigo) Duterte’s directive for Philippine agencies to streamline procedures and make electronic passport renewal services faster and more convenient, especially for Filipinos at abroad, ”Badajos said.

Having consular jurisdiction over Southern California, Southern Nevada, and Arizona, the Philippine Consulate General in Los Angeles serves approximately 1.3 million Filipinos overseas.

As of May 2021, the Consulate General has been processing the maximum number of applications for passports, dual nationality and other consular services that its limited premises and staff can accommodate and process on a daily basis.

With the demand for passport renewal services well beyond the operational capacity of the consulate, the DFA said “it was felt that opening a VFS Global PaRC in Los Angeles would help solve the problem.”

In addition to its regular weekday services, the consulate has been providing consular services on Saturdays since March 2021. It also resumed its post-pandemic consular outreach missions in May 2021 and has so far visited Las Vegas, Nevada. ; Phoenix, Arizona; and San Diego, California.

Despite these additional services, DFA said the huge demand for passport renewal applications still cannot be fully met.

The new PaRC, also present in Riyadh, Jeddah, Abu Dhabi and Dubai, will be operated by private outsourcing company VFS Global.

VFS Global will be responsible for handling passport renewal services, particularly those with non-complex, non-sensitive and non-discretionary elements.

But as a third party service provider, VFS Global will charge additional fees for its services.

“The renewal of the passport via the VFS Global PARC is not compulsory. It is up to the candidate to decide whether to apply through VFS Global or through the DFA-Global Online Nomination System (GOAS), ”said Badajos.

The appointment slots to be deployed by VFS Global for passport renewals will be announced separately on its website, with a link to be provided on the Consulate General’s website.

The DFA has advised the public to visit the Consulate General’s website and Facebook page for future announcements on the location of the VFS Global Passport Renewal Center in Los Angeles and when it becomes operational. (ANP)

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DFA appointment for passport, requirements

( Obtaining valid government ID is always a fairly complicated process, especially when it comes to passports. Getting an appointment at the Ministry of Foreign Affairs is a must for virtually anything passport-related. However, with the quarantine still stretching, dates have become even more difficult to secure. Confused by the process? We explain it to you below.

Read also : Can’t get a DFA appointment? Five new sites are now open

How to get a DFA appointment and get your passport:

appointment dfa


The Ministry of Foreign Affairs (FDFA) has summed up the process of obtaining passports well, whether it is getting your very first passport, renewing or replacing a lost passport, in this graphic. We unpack the many layers needed at each step.

Scheduling an appointment

Appointments must be booked online at only. Thanks to this site, you can make an appointment for an individual or for a group of up to five people. You can choose the date, location and specific time slot depending on availability. Spoiler alert: Metro Manila sites are often full months in advance.

appointment dfa
Where it all begins.

PHOTO Screenshot / Passport.Gov

appointment dfa

PHOTO Screenshot / Passport.Gov


If you manage to get the time slot you want, then you will have to fill out several forms. This includes the type of appointment you need (for a new passport, renewal or lost passport); personal, family, contact details, etc., depending on your appointment needs. Once you have entered all the data, you will be asked to pay the fee before your appointment is confirmed. More on payment after a few notes!

The first step is always the most difficult, as they say. In this case though, it’s really just a matter of timing. Online appointment booking has been even trickier lately, as the DFA reports that the number of available slots across the country has been almost halved during the pandemic. Five new passport meeting sites have been opened, but these only work until September.

Pro tips:

  • DFA sites can be booked up to three months in advance. This means that you can check every day if new slots have opened. The DFA specifies on the site that “As far as possible, additional slots are made regularly” so do not lose hope!
  • Make sure you are using a Google or Yahoo email account for the DFA to contact you correctly.
  • Allow at least 20 minutes to complete the appointment forms. If you have an old passport, it is best to have it on hand in case you need the information.
  • The DFA cautioned against people advertising DFA nominations via social media. Online booking and payment has been implemented to avoid fixer-uppers and scammers.


Pay for the appointment

Once you have confirmed, you will be taken to the payment processing page. Typical fees are P 1,200 for expedited processing (six business days for Metro Manila and seven for those outside) and P 950 for regular processing (approximately 12 business days). From there, you can choose to pay online or at the counter in the various authorized payment centers. Note that payment centers charge an additional convenience fee of 50 P. If you go over-the-counter, DFA will send you an email with a reference number to use during your payment.

Once you’ve paid, be on the lookout for a confirmation email from DFA. This super important email is called the “Confirmed Appointment Package”. All the necessary instructions are here, so be sure to read them twice!

Pro tips:

  • The DFA does not make refunds! If you suddenly can’t make it to your scheduled time slot, the confirmation email they’ll send after you’ve paid will contain the link needed to reschedule. You can also send an e-mail to the site of your reservation. Note that the request for a new appointment date must be made no later than three days before the original appointment date and the postponement date must not exceed 30 days from the original appointment.

Set your requirements

Partial screenshot of a confirmation email from the DFA.

PHOTO screenshot E-mail DFA


After reading the confirmation email twice, we suggest you read it again to be completely sure. The email will contain a list of the documents you need to bring for your face-to-face appointment, as well as a link to the appropriate forms (yes, there are more!) Depending on what you’re trying. to complete with your passport. The DFA site also has a list of requirements by specific type of online application.

We suggest that you print out everything you can, including the email, to bring to your appointment. And don’t forget your payment receipts either!

The most basic requirements for an adult applicant are generally:

  • The confirmed online appointment (aka a printout of the email)
  • Completed application form
  • Current passport with photocopy of the data page
  • A valid ID with a photocopy
  • For a name change: An original document authenticated by the Philippine Statistics Authority (such as a marriage contract)

Pro tips:

  • This is a government transaction, so be sure to use A4 paper for printing.
  • Take note of the contact information in the email in case you have any further questions.
  • Take your checklist very seriously! Heck, why don’t you reread the email?

What to do on the day of the appointment

The DFA would prefer that you do not bring an accompanying person, except in case of absolute necessity, on the site. Remember, the pandemic is still very real! Bring your face shields, masks, alcohol, and all other basic items. Also be there 30 minutes early. The process within the DFA will depend on your type of date, so at this point all we can say is that patience is a virtue.


If you get a passport, you can choose to either return to the site on their appointed date (this requires a personal re-appearance or a long and slightly inconvenient authorization process) or you can have it delivered to you. DFA sites also have an affiliate messaging service inside the office. Typical rates are at P150. Note that the five new temporary sites do not have this messaging service!

Pro tips:

  • Read the email for the umpteenth time and verify that you meet all the requirements.
  • If you come by car, make sure beforehand of the parking situation on the chosen location.
  • Don’t forget the basics of any adult online experience: water, ballpoint pens, a fan, a tissue, and whatever else you usually have in your #Adulting arsenal.

Courtesy aisle notes

There is only one “Courtesy Lane” for the DFA and it is located at the ASEANA office in Parañaque. You can also make an appointment on the usual site for this. Just make sure you fall into the qualified categories (read: seniors, pregnant women).

Walk-ins are technically prohibited at all sites except Courtesy Lane at DFA Aseana. For this, “Only exceptional and urgent cases”, can try their luck with a walk-in visit, except that they will also need the approval of the Secretary of Foreign Affairs; the Under-Secretary for Civil Security and Consular Affairs; or the Assistant Secretary for Consular Affairs.

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Union County Clerk Notifies Residents of Passport Expiration Dates for Travel This Year – Union County, New Jersey

Union County, NJ – Union County Clerk Joanne Rajoppi advises residents to check their passport expiration date before planning international travel this summer, fall and early winter. Some countries will not allow entry for travelers whose passports have expired in the following months.

“Depending on the country, travelers may be banned if their passport expires within three to six months of the date of their travel,” Ms. Rajoppi said. “Additionally, travelers with expiring passports should consider the time it takes for the US State Department to process passport renewal applications.”

The State Department currently estimates that it will take 18 weeks to renew an existing passport. For residents who agree to pay accelerated fees, the wait time is 12 weeks.

“While my office can provide assistance with the initial filing of an application, unfortunately we have no control over the processing time as this is a State Department function,” Ms. Rajoppi said. . “This is the longest delay that I have seen in years, and it appears to be related to the continued impact of the COVID-19 pandemic on their operations. “

For the latest updates on wait times and for details on renewing or obtaining a U.S. passport, visit the Department of State online at

The Union County Clerk is authorized to accept passport applications and forward them to the State Department for processing. This service is available in person and by appointment only.

To make an appointment at the County Clerk’s Main Office at the Union County Courthouse at 2 Broad Street in Elizabeth, call 908-527-4966.

To make an appointment at the adjoining office in the Colleen Frasier Building, Union County Complex at 300 North Avenue East in Westfield, call 908-654-9859.

Passport photos are also available at both offices for a nominal fee of $ 10.00 each.

For more information on the County Clerk’s Passport Service, visit online at or call 908-527-4966.

For more information on all of the County Clerk’s programs and services, visit online at or call 908-527-4787.

For information and updates on all Union County services during the COVID-19 outbreak, including the Union County COVID-19 Testing Center at Kean University, the mobile test unit, information on immunization, emergency food distribution and other support services, visit covid19. General information on COVID-19 is available from the New Jersey Department of Health at

# #

Connect with Union County on social media.

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Missouri Governor Immunizes Citizens Against City and County Vaccine Passport Requirements | Ogletree, Deakins, Nash, Smoak & Stewart, PC

On June 15, 2021, Missouri Governor Mike Parson signed Bill 271 prohibiting any county, city, town, or village government receiving public funds from requiring citizens to have COVID-vaccination documents. 19 (commonly referred to as “vaccine passports”). Additionally, under the new law, citizens of Missouri must be allowed to access any building, transportation system, or service without showing proof that they have received the vaccine. While Missouri is following in the footsteps of other states such as Texas, Florida, and Montana, this new law is more focused and does not apply to private businesses and employers.

Currently, Missouri employers are still able to require workplace vaccinations, per recently released EEOC guidelines stating that vaccination requirements are valid in the workplace, subject to medical accommodations. or reasonable religious. A federal judge recently relied on advice from the EEOC to dismiss a lawsuit filed by more than 100 nurses and other healthcare workers who opposed their employer’s mandatory vaccination policy.

The guidance of the EEOC is consistent with the needs of a country still in the midst of immunization deployments and the desire for increased participation. The U.S. Centers for Disease Control and Prevention (CDC) and the Occupational Safety and Health Administration (OSHA) have emphasized that immunization status is important and relevant in determining whether masks and social distancing are still needed while businesses and organizations are opening up to pre-pandemic levels. Employers who choose to use vaccine requirements may want to ensure that their processes for requesting reasonable accommodation for disability and religious belief comply with the law and are supported by clear communication and documentation.

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Debt Settlement vs. Bankruptcy: What’s Worse For Your Credit Score?

Dear let’s talk credit,

What is the difference (impact on credit rating) between debt settlement and bankruptcy? My wife and I have $ 90,000 in credit card debt with five companies and are unable to handle the monthly payments.

– Eric

Dear Eric,

Bankruptcy will usually cause the most damage to your credit report. Chapter 7 and 11 bankruptcies stay on your credit report for 10 years from the date of filing. A Chapter 13 bankruptcy will remain on your report for seven years from the date of filing. Accounts associated with bankruptcy or debt settlement are deleted from your credit report seven years after the first date of default.

Start by consulting a nonprofit credit counseling agency that is a member of the Association of independent consumer credit counseling agencies or the National Foundation for Credit Counseling. You may be eligible for a debt management plan, which could allow you to pay off your debt with an affordable monthly payment that won’t damage your credit like debt settlement or bankruptcy.

If you don’t have enough income for a debt management plan, or if you decide you’d rather pursue another option, keep in mind that debt settlement will likely ask you to make a lump sum payment to settle the account. For most people, that would require stopping all payments to accounts and saving money until you have enough to make a settlement offer. In the meantime, your credit will be damaged and you could be sued by your creditors.

Bankruptcy can be costly. Chapter 7 bankruptcies are limited by strict income requirements. A Chapter 13 Bankruptcy would require you to repay at least part of the $ 90,000 you owe your creditors over a five-year period. The judge will decide how much of your income will be needed to pay off your creditors based on the bankruptcy laws that apply in your state.

If you want to explore debt settlement or bankruptcy options, I recommend that you consult an experienced lawyer.

The key to getting out of this large debt and the consequences it entails is to avoid accumulating so much debt in the future. Make sure you have a plan to avoid accumulating debt and set aside your savings for urgent and unforeseen expenses.

Let’s keep talking!

See linked: 8 myths about credit card debt settlement

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