Ask the CAC Consumer Action Center (CAC) volunteers answer questions about your wallet. Here are a few calls we've recently received: Do you know about tax resolution companies to help with back taxes? We recommend using the IRS Taxpayer Advocate Service. Should I freeze my credit if I use LifeLock? Freezing your credit is the #1 thing you can do to protect your identity and it's completely free. Follow our guide to freezing your credit here. You should also never pay for a company to monitor your credit. Learn more here. Do I need mortgage life insurance? We recommend term life insurance instead. You can read more here. Do you have a question and need help? Call Clark's free Consumer Action Center helpline at 636-492-5275 and a volunteer will help you as soon as possible.