Erik J. Martin

Erik J. Martin

Contributing Author


Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts the Cineversary podcast and publishes several blogs, including and

FDR article counseling ar-min
Credit card counseling pros and cons

April 12, 2023

Credit card counseling agencies can help you learn how to manage your credit and debts. Find out more here.

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Who Can Access Your Credit Report
Who Can Access Your Credit Report?

March 19, 2023

Certain entities can access your credit report, and they don’t always need your permission. Find out more here.

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Does Unemployment Affect Your Credit Score?

February 16, 2023

Americans are dealing with unemployment and the financial impact during the coronavirus outbreak. Find out…

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Negative Bank Account
How to Deal With Overdraft and a Negative Bank Account

December 7, 2022

Significant consequences can result from having a negative bank account, including fees. You can fix a negative account by transferring money from another account, avoiding transactions with the overdrawn account, and other strategies.

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How to get out of credit card debt fast
How to Get Out of Credit Card Debt Fast

March 20, 2022

Get out of credit card debt fast with debt acceleration, consolidation, debt management, debt relief, or bankruptcy.

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IRS scam phone call
Scam? The Tax Debt Compromise Program Phone Call

April 7, 2022

Is the tax debt compromise program phone call a scam? here's how to tell.

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Government Building
What Is Biden’s Student Loan Forgiveness Program?

April 7, 2022

Can the Biden student loan forgiveness plan help you?

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debt consolidation vs bankruptcy
Debt Consolidation vs Bankruptcy for Debt Problems: Which Is Better?

April 13, 2022

Debt consolidation and bankruptcy are very different solutions for debt problems. What's better for you?

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Are Lawsuit Settlements Taxable?
Are Lawsuit Settlements Taxable?

June 7, 2022

How are lawsuit settlements taxed. Can you avoid taxes on lawsuit settlements?

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