Questions and Answers about Managing Debt
Take the Right Steps to Get Out of Debt, Improve Your Credit, and Build a Strong Financial Future
How long does it take for an out-of-state judgment-creditor to freeze a bank account?
My husband lost his job and as a result we cannot afford our vehicle loan. Is a vehicle loan refinance an option?
My wages are being garnished for a debt that is over 16 years old. How did this happen? What about the statute of limitations?
Capitol One is reporting two amounts on my credit report, and the small of the two on its Web site. Which amount do I owe?
I just received a summons for American Express debt. Should I negotiate with the law firm or American Express directly?
Is a new spouse responsible for the other spouse's debt upon marriage in Minnesota?
I am being sued by my creditor what kind of judgment can I expect?
If I default on all my accounts what is the worst that can happen?
Can I consolidate debt I have on a loan I take out to purchase a home?
Can my creditors sell the difference between the original balances and the settled amounts?
I live in Pennsylvania and was sued by a creditor. What happens if they win a judgment? Can they take property I own?
How do I increase my amount of available credit and lower my debt-to-credit ratio? Is debt consolidation the answer?
I am indebted to several credit card companies. How likely is it that a debt collector is trying to collect from me personally?
I am being forced to take early retirement and can no longer afford my mortgage. Can my pension be garnished as a result?
Can a credit union charge-off a loan if I am less than 90 days late in my payments?
Can a credit card issuer garnish my spouse's wages if I default on my credit card payments?
I seek a debt reduction company where I can make one monthly payment to them, and they pay-off my three credit cards. Any ideas?
I am close to defaulting on an payment agreement that I made with Citi. What do I do?
Will North Carolina law protect my property and income if the creditor wins a judgment against me?
If my paycheck is garnished, do they have to leave me enough to live on?
I married someone with significant debt. Do I have liability for the debt?
What are my rights and liabilities for debt collection in Pennsylvania?
I am an authorized user on my ex-spouse's credit cards. He is threatening to withhold spousal support because I made charges on his credit cards.
My spouse bought a boat and now isn't paying for it. What is my liability for this debt?
I now have an above-the-table job. I have a judgment against me from a year ago. Am I facing wage garnishment?
We refused to pay for a defective pool. The creditor sold our account to a collection agent. Can it do that? What can we do?
How is credit card debt divided in community property states? Are credit card accounts frozen upon divorce?
I am divorcing, and my soon-to-be-ex-spouse consolidated our joint credit card debt. Do I have liability?
My 81-year-old parent cannot afford to eat, pay for medicine, and make credit card payments. What are our options?
What are the collections laws and statutes of limitations for residents of Nevada?
Our deficiency balance for our first mortgage was forgiven. Our equity line of credit was not. Is this legal? Is so, now what?
I am enrolled in a debt consolidation plan. I received a summons from one of my creditors. What do I do?
If my ex-spouse refuses to pay a debt ordered by the court, may I garnish his wages?
I cannot enroll in my next semester because of a hold on my account due to a charge at health services. What can I do?
What does hindering secured creditors mean in Tennessee, and what are the penalties for doing so?
