Pay Off Credit Card Debt

    How to Pay Off Large Credit Card Debt

    How to Pay Off Large Credit Card Debt

    You've cut out the annual vacation and expensive shoes, but you're still not happy with your finances. Or maybe your budget looks good overall, but the thought of paying all that ...

    Best Way to Pay Off Credit Card Debt

    Best Way to Pay Off Credit Card Debt

    You may have been somewhat reckless when it came to using your credit cards during college. You might have gone just a tad overboard with your wedding accoutrements. Whatever you ...

    Can You Pay Off Mortgage With Credit Card & Get Points?

    Can You Pay Off Mortgage With Credit Card & Get Points?

    Paying off your mortgage to get credit card points requires intimate knowledge of the financial considerations of doing so. Credit card fees and interest can eat away any benefit ...

    The Drawbacks of Lines of Credit

    The Drawbacks of Lines of Credit

    Figuring out how to handle joint finances is one of the hardest parts of tying the knot for many couples. Using joint lines of credit, such as a joint credit card, is a way to ...

    More Pay Off Credit Card Debt Picks

    How to Negotiate Cheaper Balance Transfers

    When you carry a hefty balance on a credit card, it may be smart to shift the balance around to a card with a lower interest rate. Although balance transfers are an ideal way to ...

    How Can I Get Settlements Off of My Credit Report?

    Long-forgotten past due bills often come back to haunt many couples because credit cards, loans and low-cost insurance plans are hard to obtain if you have bad credit. You can ...

    What Happens If Debt Is Not Forgiven?

    Creditors may forgive a portion of your debt if you can reach a settlement to pay less than what your owe. Bankruptcy can eliminate some or all of your debt. Mortgage lenders may ...

    Strategies for Increasing Net Worth

    When you envision your retirement, do see yourself taking strolls on the beach with your spouse and living a life of relaxation? Do you see yourself traveling abroad and living ...

    What Happens to Debt Once You Are Married?

    Debt in most new marriages means mine, yours and ours. With nearly 84 percent of people under 35 years old holding some sort of debt, according to the U.S. Census Bureau, this ...

    How Much Will My Credit Drop if I Close Accounts After Paying Them Off?

    It feels good to open a credit card statement and see that you have a zero balance. However, your balance may not stay at zero for long if you succumb to temptation and splash out ...

    What Is Consolidation?

    If credit card payments, college bills, mortgage payments and other debts are stretching your budget to bursting each month, loan consolidation sounds like a good idea. A ...

    5 Things to Consider About Debt

    Many people strive to be debt-free, but some debt can actually be your friend. Keeping a manageable amount of debt helps you receive financing for large purchases, such as a ...

    How to Build Emergency Funds for Paying Off Credit Card Debt

    It’s never an easy task to stretch limited financial resources to cover multiple financial goals, especially in a tough economy. Developing strategies to save money doesn't ...

    What Is a Revised Mortgage?

    A revised mortgage is like a new car. This year's model might essentially be the same as last year's. Or it might be completely redesigned to offer more value. Commonly known as a ...

    How Can I Order My Credit Report Without Paying Money or Having to Use My Credit Card to Look at It?

    When you're looking to buy a home or make a big purchase after getting hitched, checking credit reports for each of you is a great place to start. Checking your credit reports ...

    Is it Smart to Pay Off Credit Card Debt With a Line of Credit?

    When you carry significant credit card balances, you will be shocked by how quickly interest can accumulate on that debt. It may seem like you can never get out from under it, and ...

    How to Shrink Debt

    Heavy debt can put a roadblock in front of your goals and get in the way of your dreams of buying a home, starting a family, changing careers or starting your own business. Unless ...

    Common Debt Traps

    Falling deeply into debt may seem out of the question at this point in your life, but creeping credit balances have a sneaky way of trapping you. At one point you may be living it ...

    What Kinds of Credit Can Be Settled?

    Don't beat yourself up if you're in over your head in debt. You're not alone. The average family has nearly $16,000 of credit card debt and that doesn't include the mortgage or ...

    How do I Pay Down Debt Without Credit Counseling?

    If you're drowning in debt, you may have considered enlisting the services of a credit counseling agency to help you get your finances under control. While credit counseling may ...

    How to Bring Finances Together Before an Engagement

    If you have been with your partner for a few years or are already living together, the urge to merge finances can be strong. Before you become engaged, though, blending bank ...

    How to Fix Erroneous Credit Report Data

    You or your spouse may not realize that there is a problem with your credit history report until you are turned down for a credit card or loan. If you've been responsible paying ...

    How to Plan Your Finances While Renting an Apartment

    Your search for the perfect apartment may mean lots of trial and error as you tour different rental venues. A major step before you even begin your search is to check your budget. ...

    Tax Claims Vs. Unsecured Debt

    Taxes and unsecured debt are two distinct types of financial obligations. Governments impose taxes under the authority of law, while debt obligations often arise from commercial ...

    Reason For Budgeting

    For most people, the reason for keeping a personal or family budget is the same — to meet your financial goals. Financial goals vary widely, though, so the specific reasons ...

    What Does a Written Off Bill Mean?

    You've tied the knot, both have decent jobs and together your income is more than sufficient to afford payments on that car you've been looking at or that condo that's within ...

    Problems Surrounding Debit Card Fees

    Debit cards make it convenient to buy stuff. They’ve replaced bulky checkbooks and timely check writing. Unlike credit cards, debit cards don’t carry interest. In your ...

    How to Create True Financial Freedom

    Although one could argue that "true" financial freedom is a state of mind, you can take concrete, actionable steps to ensure substantial financial security along with ...

    Paying My Credit Card a Day Late

    Even the most financially savvy people sometimes get caught up in other things and forget to pay their credit cards bills on time. Missing a payment by just a day could cost you a ...

    Debit Vs. Credit When Shopping

    If you ever pulled a little plastic card out of your wallet to pay for a purchase, odds are you have been asked "debit or credit?" The question is actually a little ...

    Should You Always Pay Off Your Credit Card Fully?

    A credit card is a convenient way to finance incidental expenses, day-to-day purchases and travel costs, but credit cards tend to carry high interest rates that make them costly ...

    How Can I Save My House If I Lost My Job?

    Few things in life are as frightening as losing your job. If you own a home, you must find a way to continue making your mortgage payments when there is little or no money coming ...

    How to Purchase to Build Credit

    Sure, digging yourself out from underneath bad credit can be a challenge, but so can establishing credit when you don’t have any. Not having good credit makes everything ...

    Should I Cancel a Credit Card After Paying it Off?

    If you've worked hard to pay off a credit card debt and plan to stop using the card, it may seem like a logical idea to close the account, especially if your payment history on ...

    The Legal Responsibility of Repaying a Debt

    Most likely, you will agree that if you borrow money from someone you have a moral responsibility to pay it back. However, your legal responsibility may not be the same as your ...

    What Are the Features of Credit Insurance?

    Credit insurance can help you in case you can’t pay your debt if you are dealing with certain types of emergencies. You have a variety of features to choose from when ...

    What Method Would You Use to Pay Off a $3,000 Credit Card?

    Your can have a richer lifestyle when your money's not falling into a black hole of endless payments and high interest rates. You'll feel more relaxed and live better without a ...

    What to Do With a Windfall of Cash?

    Almost everyone has dreamed of a windfall of cash at some point. The thought of unexpected cash makes us think of the fun we could have spending it on luxuries like a new car or ...

    How to Borrow Money Without Collateral

    When you need to borrow money without collateral the loan you are going for is variously called a personal loan, unsecured loan or signature loan. It amounts to a lender trusting ...

    What Is Considered Recurring Debt?

    Recurring debt is a term that describes ongoing payments on financial obligations you can’t easily cancel, such as a mortgage payment, child support or a student loan. ...

    How to Modify an FHA Loan

    If your mortgage payments are an unbearable burden and you're worried about possibly losing your home, you may be able to qualify for a modification under a Federal Housing ...

    Debt Checklist

    Your young adult years are a time to live life large, but if you're not careful, they can also prove to be a time when you get overwhelmed with debt. Opportunities for falling ...

    Credit Repair Suggestions

    A good credit score isn't something that most people look for in a mate, but your credit score can have a big impact on your financial plans. Couples in which both partners have ...

    Credit Issues With Not Paying a Credit Card Balance

    Credit cards are a mixed blessing when it comes to your credit score. While prudent use of a card can improve your score, maxing out a card or failing to pay your balance will ...

    How to Stop Mortgages

    If you have recently lost your job, experienced a divorce or health crisis, or had your home value drop below 75 percent of what you owe on your home loan, you may need to stop ...

    Can You Rebuild Credit After Your Accounts Have Been Charged Off?

    A charge-off is tantamount to a creditor giving up on the thought that you will ever repay your debt. To have one of your accounts charged off, you must be seriously delinquent on ...

    How Much Savings Should I Have After Buying a House?

    You need to have your ducks in a row to buy a house, which usually means you need some savings for the down payment. Many people stop saving after they buy, but saving money ...

    How to Reorganize Debt

    Gaining control of your debt is vital to your emotional health and financial future. Debt can quickly snowball into an overwhelming tangle of bills, but with some reorganization, ...

    What Are the Dangers of Cash Advances?

    When you're faced with the need for some quick cash, taking a cash advance on your credit card or signing up for a short-term loan can seem like good solutions. While these ...

    Are You Paying Too Much in Credit Card Fees?

    Even if you’re careful with your credit card spending, the variety of fees card issuers apply to their products can come back to bite you. If you’ve got several cards ...

    The Best Practices for Paying Off Credit Card Debts

    Credit card convenience....Aside from being alliterative, the phrase has a nice ring to it. There's something thrilling -- yet oddly comforting -- about buying something today and ...

    Personal Banking Information

    A good place to stash your hard-earned income is in a financial institution like a bank or credit union. Because your cash is insured by the government up to a certain limit, you ...

    Is Debt Consolidation Better to Pay Off Credit Cards Than to Borrow Money for Them?

    Debt is part of many young adults' lives. In fact, the average 25- to 34-year-olds had an average debt of $5,200, according to a 2004 Businessweek magazine report. Because the ...

    Do Credit Card Judgments Get Charged Off?

    Credit card judgments and charge-offs represent serious credit delinquencies. While a charge-off can ultimately lead to a delinquency, a judgment cannot get charged-off. ...

    What Do I Do if My Mortgage Is Denied?

    Lenders deny mortgage applications for a multitude of reasons but oftentimes declinations are the result of people choosing the wrong house or the wrong loan package. Your dream ...

    How Long Is a Charged Off Credit Card Bill on a Credit Report?

    There is only one good thing about having a charge off on your credit report; It does not stay on it forever. You do want to avoid having this happen in the first place. A charge ...

    Can You Build Credit Even If You Completely Pay Off Your Credit Card Every Month?

    Your FICO score, the national standard credit score, consists of five components. Some of them affect your score more than others. Paying off your credit card every month will ...

    What Does Credit Limit/High Balance Mean?

    There’s more to being a credit card holder than whipping it out to charge items. If you don’t want to be one of the many Americans with a ruined credit score from ...

    What Happens if You Cosign a Loan & the Other Person Quits Paying?

    Credit mishaps like a late or missed bill payment can stay on your credit report for years. People with negative credit events or short credit histories, such as recent high ...

    What Is a Guarantor Signature?

    Your credit history is a reflection of your recent past. When you borrow money from a bank or a lending institution, your credit history must show that you are creditworthy. ...

    How to Delete an Account From a Credit Bureau

    Information about any credit account you hold will typically stay on your credit report for seven years, whether it's bad or good. You can't have information removed from your ...

    Is Debt Settlement Necessarily a Bad Thing?

    While there can be consequences to debt settlement, it is not always a bad thing, and sometimes it might be your best option. If you are drowning in debt, settlement can relieve ...

    Do Charge Cards Hurt Your FICO?

    Charge cards allow you to buy now and pay later, without the credit limits or interest rates that come with regular credit cards. Many charge cards offer free airline miles, ...

    How Does a Credit Report Affect How Much I Pay for a Purchase?

    When you open a credit card, loan or lease account, three credit reporting agencies keep track of your credit information. Any time you request a line of credit or insurance, the ...

    How to Pay Credit Cards After They've Been Turned Over for Collection

    It is not necessarily the end of the world — or the end of your credit — when a company turns your credit card account over to collections. There are productive ways ...

    Can You Transfer a Car Loan to Someone?

    A car loan can represent a huge monthly expense for young couples that can put them in a real financial bind. A car loan contract exists between you and the creditor. You cannot ...

    Savvy Ways to Build Credit

    Having good credit opens the economic door wide open for you. Banks will approve you for bigger loans more readily. Landlords will approve you for nicer and costlier digs. Even ...

    Consolidate Vs. Rehabilitate

    If you're paying the price for overusing your credit cards and have gotten to the point where all you can manage is the minimum monthly payment for each unsecured debt, it's time ...

    What Does Financially Self-Sufficient Mean?

    Just because you’re able to pay your bills doesn’t mean you’re able to make it completely on your own, without the help of family or credit cards. Becoming ...

    How to Pay into Escrow

    An escrow account holds money in trust pending the completion of a deal. Although the term has traditionally been associated with mortgage tax and insurance payments, consumers ...

    If I Cancel a Debit Card, Will Automatic Bills Still Be Paid With the Old Card Number?

    Consumers use debit cards for automatic payments as an easy, hands-off way to get bills paid on time without adding to a credit card balance. Debit cards issued by your bank ...

    How Much to Pay for Housecleaning?

    Figuring out how much to pay for housecleaning requires careful consideration of the costs versus the benefits. Young couples with start-up careers may spend most of their time ...

    How Does It Affect Your Credit When You Pay Off Debts?

    How and when you pay your debts affects your credit score more than any other factor. Payment history accounts for 35 percent of your FICO score. If you consistently pay your ...

    What if a Creditor Will Not Take a Bill Off a Credit Report?

    Your credit report influences your ability to obtain a loan and the interest rate you’ll pay on that loan. Some employers will even check your credit report for clues to ...

    Do Debts Taken Off a Credit Report Still Affect Credit?

    While eliminating debts from your credit report sounds like a great idea, it's not automatically great for your credit score. Two of the main factors in your credit score are ...

    How Often Are Credit Payoffs Reported?

    Once you take the steps to pay off your credit card debt, you want to ensure your credit rating reflects your efforts. Your credit score affects more than just your ability to ...

    Does Pre-Collection Affect Your Credit?

    Pre-collection letters can have a negative effect on your credit score. Anytime you are late with a payment or a collection agency makes any kind of contact in an effort to ...

    Can a Judge Make Me Pay a Credit Card Debt?

    There's no such thing as a free lunch, especially if you use your credit card. If you haven’t been making payments on your credit card for some time and wonder if a judge ...

    Does Being a Co-signer on Someone's Loan Prevent You From Getting One?

    Co-signing is a dangerous proposition. As much as you believe in your friends and family members and their ability to repay loans, being a co-signer can not only put you on the ...

    How to Negotiate a Credit Card Balance That Won't Result in a Charge-Off

    To negotiate a credit card balance before it reaches the charge-off stage, you only have a limited window of time. Most card companies will charge off debt once you fall six ...

    How to Finance a Home With a Co-Signer

    Financing a home is a large investment, especially if you are a first-time buyer. In this case, asking a co-signer for help can be beneficial. However, if you are unfamiliar with ...

    What Does Deferring a Claim Mean?

    If you own or plan to own your own business, you need to maintain an operational cash reserve. Deferring your income and expenses is an accrual accounting tactic that will ensure ...

    Who Pays Bride Expenses at Bachelorette Parties?

    Whether your bride-to-be bestie fancies a traditional bachelorette party -- think barhopping, a night at a strip club or a day at the spa -- or whether she wants something like ...

    Does Paying Off a Loan in a Quarter of the Time Help Your Credit a Lot?

    For most people, avoiding debt is not an option. Managing debt is. How you make your payments and control your debt affects your credit score, the rating used by lenders when you ...

    Which Should I Pay First: Credit Cards or Medical Bills?

    If you’re wondering whether to pay your credit card or medical bills first, you’re one step ahead of folks who just give up altogether. Neither bill is a high priority ...

    What Is a Secured Promissory Note?

    Many lenders do not provide financing without security. A promissory note is a contract between the bank and the borrower. A secured promissory note is accompanied by other ...

    Failure to Pay a Promissory Note

    There's a lot of joy associated with moving into a new home. There's a lot of responsibility too, including that unpleasant business of paying for the property. Promissory notes ...

    Does Being an Authorized Signer Affect Your Credit Report?

    Being an authorized signer on your spouse's credit account can give your credit score a boost as long as your spouse's account is in good standing. To be in good standing, your ...

    Difference Between Incurred Expenses & Paid Expenses

    Incurred and paid expenses can be tricky to differentiate, depending on how you record them in your personal budget. Whether you put a purchase on a credit card or use cash, ...

    After Bankruptcy, Can a Company Report You as a Charge-Off to the Credit Bureau

    Your credit report includes the history of your loans and repayments, as well as any charge-offs, which creditors report on delinquent balances. Like a bankruptcy filing, a ...

    Should You Pay Credit Cards in Installments or in Full?

    If you’ve read or heard horror stories about people wrecking their financial futures with excess credit card debt, you may wonder why anybody would want a credit card. ...

    Do Creditors Work with People Who Got Laid Off?

    You’ve been laid off, and credit accounts you may have first opened in college are at risk of becoming delinquent. You may be dreading calling your creditors to explain the ...

    How Much to Pay for a Sunroom

    Sunrooms add value to any property. They provide property owners with utility and enjoyment, usually at a lower cost than a fully-integrated room. A sunroom provides an ...

    How Does Chapter 7 Work?

    When you file for a Chapter 7 bankruptcy, you are declaring bankruptcy in the classic sense: The financial hole you're in is too deep to ever dig yourself out of, so you need to ...

    What Types of Debt Can Be Discharged Upon Death?

    When someone dies, his assets pass into his estate along with his liabilities. A will normally determines how the assets are to be distributed. What he owed when he died generally ...

    Who Pays for the Entertainment at a Wedding?

    After the excitement of the proposal simmers down a little, it’s time to get busy planning the big event. A wedding can follow all of the traditional rules, or you can make ...

    High-Paying Jobs That Involve Little Interaction with People

    Top-paying jobs often involve regular interaction with colleagues, clients and customers. There are options, though, if you want to make a lot of money without having to deal with ...

    How to Repair Credit Damage Due to Cosigning

    The main risk of being a cosigner on a loan is that the loan recipient may fail to make payments. A cosigner is legally responsible for repayment of 100 percent of the loan -- ...

    Does the Payoff of HELOC Early Affect Credit?

    Credit activity of any kind can have an affect on your credit score because the major credit bureaus revise your score when balances change as well as when you open and close ...

    Tips on Completing a Financial Plan

    Having a financial plan is a great idea, but the devil is in the details. You know you want to have money to spend on what you need now, save for a rainy day, plan for your ...

    Payback Rules for Co-signers

    Young couples who have moved into their own place and have good jobs may be feeling generous. As a result, they may co-sign for family members and friends who don't have enough ...

    Does a FMLA Leave of Absence Apply to Someone Who Has a Child by a Surrogate?

    Surrogacy is a viable option if you are unable to have children and do not wish to adopt. However, like any pregnancy, you may wonder about the impact it will have on your career. ...

    What to Do If You Pay for Your Furniture & It Came Broken?

    It can be so disappointing to spend time and money picking out new furniture and then have it delivered with damages. Even a small scratch on a new table or a bent leg on the sofa ...

    What Automatically Denies a Mortgage?

    Mortgage lenders have different qualifying requirements for borrowers. So, a lender may approve a mortgage for you after another lender denies you a mortgage. Lenders generally ...

    Can a Landlord Sue You for Not Paying Rent?

    A landlord can sue each tenant who signed a lease to recover unpaid rent. Verbal rental agreements are harder to prove in court, but that may not keep a landlord from filing suit. ...

    Is It Customary to Pay the Executor of a Will?

    If you're named the executor in a will, it is your job to guide that estate through probate, a legal process to distribute the assets. Many people avoid probate by putting assets ...

    Can You Track Someone Who Skipped out on Paying Their Rent?

    As a landlord, you are putting faith in the tenant to take care of your home and pay the rent as agreed. Credit reports and background checks reveal a person's financial and ...

    Can Green Card Holders Collect Unemployment?

    A "green card" is the common name for an immigrant's permanent resident card, even though many of the cards aren't actually green. The federal government issues green ...

    The Average Cost of Chapter 7

    Chapter 7 bankruptcy offers many debtors who are struggling with unpaid bills the opportunity for a fresh financial start. The process typically takes four to six months to ...

    Is the Bank Obligated to Refund Stolen Money From My Debit Card?

    Federal law recognizes that banks should have enough safeguards to keep thieves and not-so-good Samaritans from compromising bank cards. Banks must replace stolen funds, even if a ...

    Does Being a Co-Signer on a Loan Tie Up Your Credit?

    If an applicant has bad credit, no credit or not enough credit to be approved for a loan, a co-signer can be used to help shoulder the responsibility and reduce the risk taken by ...

    What if a Co-signer Has No Credit History?

    If you're having a hard time gaining access to credit, you might consider asking a friend or relative to co-sign your loan and credit card applications. If you find a co-signer ...

    How Much to Expect to Pay for Recessed Lights

    Recessed lights are useful for general lighting needs in any room of the house, specific task lighting and ambient lighting. They can be installed in any type of ceiling, ...

    Good Ways to Pay for Studying Abroad

    Studying abroad allows you and your significant other to indulge your spirit of adventure while raising your academic profiles. Unfortunately, study abroad programs tend to be ...

    Can a Joint Account Holder Remove Himself?

    Joint accounts come into play when young couples tie the knot. Common joint accounts include checking accounts, savings accounts, credit cards, mortgages and auto loans. Joint ...

    Chex System Removal

    A consumer reporting agency, ChexSystems, identifies applicants with a history of poor account practices to its member financial institutions. If you bounced some checks in the ...

    Ways of Getting Paid When Selling Your Vehicle

    Selling your vehicle is often an easy process, but there are dishonest people who may try to use the sale to try to steal from you. Following a few guidelines will help you avoid ...

    What Is a Stipulated Judgment?

    Having to go to court is the pits. You lose work -- and sleep -- and you have no guarantees. Many people see the inside of a courthouse, not on serious criminal charges, but ...

    How to Exchange Loose Change for Dollar Bills

    Paying day-to-day expenses in cash can help you avoid impulsive spending, but you may also accumulate coins. Carrying a few coins can be convenient for paying tolls and making ...

    Late on Payments Vs. Filing Bankruptcy

    A bankruptcy does more damage to your credit than late payments. If you are late making payments, you can always make a catch-up payment or come to a payment agreement with the ...

    What to Do When Your Job Doesn't Pay You

    When you check your bank account or wait for your supervisor to hand a check to you on payday, you expect it to reflect payment for work you performed during the pay period. ...

    How Long Does an Executor Have to Distribute Assets From a Will?

    You have been left an inheritance. Congratulations -- but don't start running up the credit cards quite yet. It might be a while before the executor distributes assets from the ...

    How to Buy a House When Job Security Is Tentative

    When job security is tentative, committing to any long-term expense is often scary. Banks may be a little leery lending to applicants with an unstable source of income. Lenders ...

    Do Groomsmen Pay for the Bachelor Party?

    Alcohol and strippers often comprise the stereotypical bachelor party celebration of a groom's final night as a free man. Bachelor parties also may entail all-weekend events that ...

    How to Pay for Breast Implants

    Breast augmentation surgery is the top plastic surgery procedure in the United States, according to the American Society of Plastic Surgeons. Using saline-filled or silicone ...

    How to Stop a Casino Gambling Problem

    If you can't resist the desire to gamble at a casino, you may have a gambling addiction, or at least a problem with gambling. This can seriously affect your work, finances and ...

    Does a Traffic Warrant Show in a Criminal Background Check?

    Minor traffic violations can become major problems if you don't take care of them promptly. A traffic ticket for speeding, improper turning, or some similar offense, usually won't ...

    Account Paid in Full vs. Charge-Off

    One of the many important aspects of a credit report is how it lists the status of each account. The status includes what payments were missed, submitted late, and how the account ...

    Can a Landlord Show a Rental Property While a Tenant is Paying Rent & Living There?

    Owning a rental property occupied by tenants doesn't mean that you will never have to show it again. When the lease is about to expire and your renters have given you notice of ...

    What Does a Full Scholarship Mean?

    In the face of rising education costs, recent college graduates have more debt than ever before. According to the Institute for College Access & Success' Project on Student ...

    How to Refinance a Car if I Owe More on It Than It Is Valued

    Depending on the length of your financing agreement and the amount of money you paid for a down payment, you might have a negative-equity loan. According to Edmunds.com, negative ...

    Are There Any Legal Ways of Getting Bankruptcy Off Your Credit Report After Four Years?

    Truthful information regarding a bankruptcy will stay on your credit report for seven to 10 years, depending on the chapter of bankruptcy you filed under. However, if your report ...

    What Do Scholarships Pay For?

    Getting scholarships for your college education is a huge financial advantage. Unlike loans or grants, the other common forms of financial aid, you don't have to repay scholarship ...

    Is a Quitclaim Deed Valid Without Consideration?

    Using a quitclaim deed can be an effective way to transfer property without having to go through the usual hassle of checking the chain of title and any encumbrances against the ...

    ATM Card Problems

    Though they were virtually non-existent not too long ago, today it's hard to imagine life without an ATM card. ATM cards provide many conveniences — like debit capabilities ...

    Does Making a Large Loan Payment Decrease the Finance Charges?

    Whether you have credit card debt, a car loan or another loan, you often have to pay finance charges. A finance charge is the cost to you to borrow the money. The charges are not ...

    The Etiquette When Paying for the Best Man's Hotel Room

    The etiquette involved with wedding parties has long been a question mark for many brides and grooms. Who pays what, for whom and why is often a topic of discussion and ...

    Do I Have to Pay the Medical Fee If My Mother Passed Away?

    If your mother died leaving hundreds or thousands of dollars in medical bills, you may wonder whether the responsibility of paying those bills falls on your shoulders. ...

    How Much Do You Pay Preachers for Weddings?

    He popped the question and you said, "Yes!" Now comes the fun part -- wading through all the wedding details, including who will pronounce you husband and wife. If ...

    Does a Collections Account Affect My Mortgage Approval?

    You may wonder if it’s even worth the effort to apply for a mortgage with collection accounts on your credit report. If you’re wondering whether or not to go for it, ...

    Settling Credit Cards Vs. Paying Off Closed Accounts

    You can lower your total debt levels and cut your monthly expenses by settling or paying off your closed credit cards. There are advantages and disadvantages to settling rather ...

    Difference Between Joint Account & Authorized User

    On the surface, it may seem like there's little difference between a joint account user and an authorized user. Both joint users and authorized users typically have their own ...

    If I Am Receiving a Pell Grant & Fail a Class Will They Still Pay for It?

    You're down but not out of the Pell grant program if you flunk a class. This is grant money, not a loan. The Pell grant pays for a class even if you fail the course. Under some ...

    Can a Co-Signer Apply for Refinancing After a Bankruptcy?

    Usually, a creditor can collect a debt from you, the cosigner, unless the main borrower agrees to repay the creditor in the bankruptcy court. This could have a negative effect on ...

    How Much Can Paying Off One Credit Card Raise Your Credit Score?

    Your credit score is a complicated mix of factors, such as how much you owe, how timely your payments are, the kind of credit you have and how long you’ve had that credit. ...

    Does the Bride or Bridesmaid Pay for a Wishing Well?

    Bridal showers and weddings often showcase wishing wells, which can leave wedding planners to ponder who pays for the gift-collecting item. Depending on the circumstances, either ...

    How Much Should I Pay for a Used Wicker Porch Swing?

    Several factors play into the cost of used outdoor furniture. Condition is very important, especially when looking specifically at outdoor wicker furniture. If you are buying from ...

    Pay Off Credit Card Vs. Car Note

    Debt elimination isn't easy, but it is essential for your long-term financial health. If you are fortunate enough to have a little extra money at the end of each month, you might ...

    What Certificates of Study Does FAFSA Pay For?

    Programs of study to earn certificates require less time for completion than traditional two- or four-year programs that lead to college degrees. Students who plan to enter higher ...

    Do You Have to Pay Off Credit Cards of Deceased?

    Losing a loved one is bad enough. When creditors begin to demand payment from the decedent's next-of-kin, the ordeal can be even worse. Creditors sometimes count on heirs not ...

    How to Compute a Contingency Budget

    Putting money aside in savings is a smart move, particularly in a downturned economy. Couples are often advised to prepare a contingency plan against the possibility of a ...

    Do You Have to Pay for a Cruise Up Front?

    Cruises offer the opportunity to do a variety of activities on board the ship, such as casino nights, karaoke, magic shows and other live performances. Many travelers choose ...

    What Is a Leasehold Estate?

    Leasehold estates vary, with some serving as temporary rental property while other agreements extend beyond most people's natural lifetimes. The opposite of a leasehold estate is ...

    HUD Regulations on Evictions

    If you break HUD's eviction rules for landlords, you'll have problems renting to tenants who get housing help in the future. HUD sets rules for evictions to protect tenants and ...

    Escrow Cancellation Instructions

    There are two main types of escrow accounts: real estate escrow and mortgage escrow. The former is used when purchasing real estate. A trusted third party --the escrow company -- ...

    How to Finance a Fifth-Wheel Camper

    If you dream of vacations that have all of the comforts of home without the expense and confinement of a hotel, purchasing a fifth-wheel camper might be the choice for you. These ...

    Non-Revolving Debt

    Taking on debt is often necessary to purchase items that can improve the quality of life. However, before going into debt, it's important to understand the type of debt you are ...

    What Happens If I Pay the Creditor & Not the Collection Agency?

    If you neglected to pay a bill for a significant amount of time, don’t be surprised if you receive a bill from a new creditor. Your original creditor likely turned your ...

    What Happens When Bankruptcy Comes Off Your Credit Report?

    Bankruptcy is the scarlet letter on your credit report that can cause lenders to avoid you like the plague. Fortunately, bankruptcy does not stay on your credit report forever. ...

    How Will My Late Payment Affect the Co-Signer?

    Getting a loan for a major purchase like a car or home can be difficult, especially when you are just starting out financially. If your credit score isn't quite good enough to get ...

    How to Pay for Fashion School

    Have an eye for fashion -- but no cash to fund the fine-tuning? No worries! Paying for fashion school is no trickier than paying for any other college program, as long as the ...

    Do They Still Have to Pay Me My Vacation When I Quit My Job?

    Deciding to leave a job presents a certain level of financial anxiety for most people, even if you’ve lined up a new job before you leave. You’ve got to plan for ...

    10 Things You Need to Know About Buying a House

    There are way more than 10 things you need to know before you buy a house, but just as with any new venture, you need to have a foundation upon which you can build. Going out into ...

    How to Work to Pay for College & Go to School

    Unless you have a significant trust fund or win a full-ride scholarship, the high cost of education in the United States can be hard to manage. Working your way through college ...

    How to Buy a House with a Charge-Off on My Credit Report

    A charge-off occurs when a debt remains past due for more than 150 days. The creditor then considers the debt as a loss and writes it off its books for tax purposes. A charge-off ...

    How Does Co-Signing for Credit Work?

    So, your friend or family member has asked you to co-sign on an account because she can't qualify on her own. Before you say yes, you'll need to understand what being a co-signer ...

    Etiquette on Expecting Guests to Pay for Their Own Meal at a Wedding Shower Luncheon

    Wedding guests and bridal party members are invited to several pre-wedding functions, including wedding showers to engagement dinners. Figuring out just who should foot the bill ...

    Four Danger Signs of Debt

    You can always find a place to spend your money. If you’re waiting for payday, you have company. In 2011, 42 percent of workers were living from paycheck to paycheck, ...

    How to Withdraw Money From 403B Mutual Funds to Pay Off Credit Card Debt

    If you are having trouble paying off your credit card debt, you can sell off your 403(b) mutual funds and withdraw money from your account. While a 403(b) plan is meant to be a ...

    What Is Marginal Pay?

    Businesses decide on whether to increase hiring or not based on the marginal input they can get out of employees. Marginal salary accounting typically is used to develop pay ...

    How to Explain & Challenge Your Credit to a Landlord

    If your credit history shows a pattern of irresponsibility with your finances, landlords may question your ability to pay your rent on time each month. Since it's easier to reject ...

    When Do I Need a Receipt for a Cash Charitable Contribution?

    The Internal Revenue Service has no problem with you requesting a tax deduction for cash donations to favorite causes. It does, however, want more than your word as proof of your ...

    The Pros Vs. Cons of a Deed in Lieu

    A deed in lieu of foreclosure is when the homeowner is unable to keep up with payments and turns the property over to the lender. The lender sells the property and uses the ...

    What Is Credit Balance?

    You’ve been making payments on a long-standing bill for the past several months, and you know you’re close to paying it off for good. When you call for a billing ...

    What Is Better to Pay Off First: A 401(k) Loan or Credit Card Debt?

    When you owe money on a couple of types of loans, the easy solution would be to pay off the loan with the highest interest rate. However, when you owe money to both your 401(k) ...

    Sound Financial Debt Ratio

    How much debt you owe is of major importance to lenders. If you have too much debt, you're seen as a credit risk. Having no debt is good but creditors also want to see an ...

    Do I Report Gross or Net Pay for Unemployment?

    Unemployment benefits are meant for those who lose their jobs or experience reduced work hours. To receive weekly benefits, you must initiate an unemployment application. After ...

    How Does Renewing a Loan Work?

    The two most common types of renewable loans are lines of credit and balloon mortgages. A line of credit is an ongoing availability to borrow money using your property as ...

    Does a Vehicle Lease Show on Your Credit Report?

    When you lease a vehicle, you agree to pay a certain amount each month for a specified period of the time. Vehicle leases are an alternative to buying a car, but the credit ...

    Do I Still Pay Rent if a Property Is Being Foreclosed On?

    While most people think of a foreclosure as problem for the property owner, it can also affect renters living in that home. If you are renting your home and your landlord is being ...

    How to Write a Letter to Get Creditors to Take Negative Debt Off Your Credit Report

    Negative debt or entries on your credit report affect your ability to get a loan, credit card or mortgage. Young couples with bad credit are often denied for credit or have to pay ...

    Does It Affect Your Credit to Co-Sign for Someone Else on an Apartment Lease?

    Co-signing a lease can be a generous way to help out a friend, relative or loved one. If your friend does not have good credit, or does not meet a landlord’s income ...

    How Long Do Closed Accounts Stay on Credit Reports?

    Your credit report is a document maintained by each of the three major credit bureaus in the United States: Equifax, TransUnion and Experian. The report is both a snapshot in time ...

    Six Things You Need to Know for a Mortgage

    Finding a new home is enough of a challenge without the added stress of qualifying for a mortgage. You have some decisions to make, including the length of the mortgage and ...

    How to Calculate Total Debt Ratio

    When a bank gives you a mortgage, it wants to be sure that you can afford your payments -- and frankly, you should want this too. One measure for estimating your ability to afford ...

    Can a Spouse Be Sued for Her Husband's Debt?

    It's might not seem fair to pay for debts that you didn't incur, but it can happen. Once you and your spouse tie the knot, you're linked together in a hundred different ways -- ...

    How Does a Car Title Loan Work?

    If times are tough and you need emergency cash, a car title loan can be one way to go. A car title loan -- considered a predatory loan by the Consumer Federation of America and ...

    How to Run a Credit Check for Landlords

    A credit check is a helpful tool for landlords to select trustworthy and financially capable tenants. It can help you screen out individuals who have a history of not honoring ...

    Things To Know As You Pay Down Credit Cards

    Starting a new life together with a lot of debt can make those first few years harder than they should be. Paying down your debt can help you free up your finances and avoid ...

    What Percent of My Income Should I Spend on a Car?

    Though mortgage lenders typically set clear guidelines for the percentage of income you can spend on your mortgage, no such guidelines exist for car loans. To determine how much ...

    How Long Does a 30-Day Late Pay Stay on Credit Reports?

    Your credit report paints a picture of your financial history and responsibility level that helps lenders make educated decisions about lending you money. Your current creditors ...

    Things to Know About Paying Off Credit Cards

    Credit cards provide a convenient way to purchase the things you need and want immediately. Keeping your credit card payments current is essential to maintaining a good credit ...

    The Laws on Cosigning for an Auto Loan

    People with limited or bad credit often need a third party to sign on the dotted line. Married couples often appear to "have it all together" and may be asked to co-sign ...

    How a Credit Card Write Off Hurts Your Credit

    If you receive a notice that a creditor has decided to "write-off" an old debt, you may think the worst is over. But wait a second; it doesn't mean you're out of ...

    What Does a Title Company Do?

    You wrangle with a lot of issues when you're buying or selling real estate. That's where a title company can help. A title company can take a lot of stress out of a real estate ...

    How Paying the Minimum on Your Credit Cards Affects Your Credit

    Credit bureaus look at several factors when calculating your credit score. Any of these factors can contribute to maintaining a high score or improving a low one. If you and your ...

    Can You Use Balance Transfers to Pay Off Your Other Credit Cards?

    Credit card interest rates often start in the low double-digits and go up from there. Paying off your credit card debt is usually one of the best investments you can make. If you ...

    The Strengths and Weaknesses of Paying the Minimum Amount on a Credit Card Balance

    Making the minimum payment on your credit card may make you feel like you're saving a few dollars and leaving more cash in your pocket every month, but longer term, it could be ...

    Early Debt Payoffs

    Living debt-free means vacations, retirement and possibly paying college bills for the kids. Now, before it gets any worse, is the perfect time to nip it in the bud and get rid of ...

    The Risks of a Cosign for a Mortgage

    Using a co-signer could mean the difference between owning and renting a home. Co-signing becomes necessary when the primary borrower does not have the income or credit to qualify ...

    How to Pay Off My Non-Credit Card Debts Quickly

    Even if you pay your credit cards off in full each month or avoid using them entirely, you might still struggle with other bills. Debt can get in the way of making future plans. ...

    How to Legally Pay a Mortgage With a Credit Card

    While paying your mortgage with your credit card can ease financial strain, it can be a risky pattern to fall into. The payment to the credit card company won’t be due until ...

    How to Find My IRS Estimated Taxes Paid

    No one likes making payments to the IRS -- it's the ugly part about earning cash. If you work for wages, you probably have taxes withheld from your check automatically. However, ...

    How to Pay Your Income Tax by Credit Card

    If that time of year has rolled around again and you're feeling a little light in the pockets, the urge to whack your income tax bill on your credit card can seem like an ...

    Should I Pay Off All Debt in the Credit Bureau in Order to Buy a House?

    It can be a smart move to pay off your existing debts before applying for a mortgage, but only if doing so isn't going to leave you short of cash for other things. Homes don't ...

    What Is the Income Cut-Off for the Retirement Contribution Credit?

    The Retirement Savings Contribution Credit, or Saver's Credit, provides an added incentive for people with lower incomes to save for retirement. The Saver's Credit is subtracted ...

    The Average Time to Pay Off $9,500 in Credit Card Debt

    If you've managed to rack up a $9,500 balance on your credit card, the time it will take you to clear what you owe will depend on a number of factors, including how much interest ...

    Do I Have to Pay My Deceased Spouse's Credit Card Debt in Ohio?

    When you're coping with the death of your spouse, the last thing you need is a persistent bill collector dunning you for payment of his credit card debt. Both Ohio law and the ...

    How to Pay Off Unsecured Credit Debt

    Being in debt can be a real downer, especially when it prevents you from reaching your financial goals. For married couples, debt can be a huge roadblock if you're trying to save ...

    Is Taking Out a Personal Loan to Pay Off Credit Card Debt Smart?

    If you and your partner are carrying balances on your credit cards, chances are you'll be paying a bunch of interest to your card issuers each month. You may be able to reduce ...

    Accrued Interest After Paying Off a Credit Card

    Taking a look at your credit card statement and dropping a check into the mail to clear your balance might feel good, but could cause you hassle further down the line. A credit ...

    Do You Need to Pay Off All Credit Cards Before Applying for a Mortgage?

    The more credit card debt you carry, the tougher it may be to qualify for a mortgage. Paying down the balance on your cards helps, but you don't have to pay them off completely. ...

    Can I Pay Federal Taxes With Credit Cards?

    Although it might sometimes seem as if the tax code is created to make calculating your tax bill as difficult as possible, the Internal Revenue Service wants to make paying those ...

    Can a Single Mom Claim Head of Household If She's Paying Rent?

    The way the IRS sees it, for federal income tax purposes you're either married or you're single, but if you are a single mom you might be able to claim the more advantageous head ...

    Can a Mortgage Help Pay Off Credit Card Debt?

    Whipping out that slice of plastic gets you and your sweetie a trip to Hawaii, a dinner at your favorite bistro or a massage at a day spa. That credit card convenience comes with ...

    How to Obtain Cash for a Real Estate Auction

    Real estate auctions provide an ever-changing inventory and offer some awesome prices. But, here's the thing: when you find a good buy, you have to be ready to pounce. Auction ...

    Does Purchasing and Then Paying off Debt Increase a Credit Score?

    Your credit scores are the foundation of your financial security. Good credit paves the way for you to obtain credit cards, mortgages, auto loans, and even certain forms of ...

    Can I Get an FHA Loan If I Am Making Back Tax Payments?

    Owing back taxes isn't an automatic deal-breaker when you apply for a Federal Housing Administration mortgage. As long as you're paying off your debt, the fact you paid late ...

    Will a Bank Take a Credit Card to Pay Off Debt?

    There will come a time when the “payment due” notice will arrive from your bank. When it does you’ll need to decide how to pay. Most of the time the only option ...

    Financial Changes to Make Before Marriage

    Planning for a life together should be a time of excitement and joy. One way to ensure that the wedded bliss endures is to make responsible decisions about your finances before ...

    The Average Closing Cost of Refinancing a Mortgage

    You can save hundreds of dollar a month by refinancing your mortgage loan into one with a lower interest rate, but a mortgage refinance isn't free. Lenders will charge you for a ...

    Gross Pay vs. Taxable Pay

    It would be nice if all the money you earned went straight into your pockets, but with the constant threat of taxes, that’s unlikely to happen. Your gross pay is all of your ...

    How Long After I Pay Off Credit Cards Does It Take for My Credit Score to Improve?

    When you finally finish paying off your credit cards, it's natural to wonder when you'll get the big payoff of a better credit score. The reality is, it doesn't happen right away. ...

    How to Improve My Chances of a Mortgage

    Lenders prefer borrowers who represent the least amount of risk for them. You can boost your chances of qualifying for a mortgage by demonstrating that you have the assets and ...

    What Is a Safe Debt Load?

    Whether you're lusting after a shiny new car, hoping to upgrade to a home in a trendy neighborhood or just scrounging up the money for retirement, debt can impact your financial ...

    Budgeting Strategies Learned From the Great Depression

    During the Great Depression, unemployment reached 25 percent in the United States, and bank failures wiped out many people's savings. With jobs scarce and the rainy day fund gone, ...

    Can You Refinance Without a Spouse's Signature?

    It's common for married couples to own property together and for the mortgage loan to be in both names. However, you might be in a situation where you want to refinance a mortgage ...

    Problems With Credit Card Bill Pay

    Credit cards take much of the hassle out of paying bills. There's no real paperwork, no postage or envelopes to worry about, and you can set your bills up to make transactions ...

    How to Arrange a Mortgage

    Arranging home loan financing is much like trying to choose one water molecule in the ocean. There are thousands of home mortgage lenders and many types of home loan programs. If ...

    What Can Happen if You Are Moving & Can't Sell Your Home if You're Underwater on Your Mortgage?

    Relocating comes with a unique set of challenges, including finding new living accommodations and making new friends. You may owe more than your home is worth and hope for a quick ...

    Is it Good to Pay for Monthly Expenses Through a Rebate Credit Card?

    Using credit cards that offer cash bonuses or merchandise discounts based on your spending has led many people to run up credit card debt that wasn’t worth the puny benefits ...

    Is Paying Someone Else's Credit Card a Gift?

    Helping someone pay off his credit card bills can be a wonderful gesture, particularly if he’s struggling with debt, but it can lead you into risky waters with the Internal ...

    How to Buy a House at a Young Age

    Buying a home is always a difficult procedure for a first-time buyer, but it is especially tricky for a young person. Some of the major qualification requirements that banks use ...

    The 10 Commandments of Mortgage Borrowing

    You've found your dream home, but like most buyers you need a mortgage loan to purchase it. This means that you must convince mortgage lenders that you are financially strong ...

    Is Paying Several Times on a Credit Card Better Than One Payment?

    Although the idea of paying bills more than once a month may make you cringe, a case can be made for paying down a credit card balance in increments throughout the month. If you ...

    Non-Taxable Gifts

    Uncle Sam isn't always a fan of generosity. In fact, the government imposes a gift tax on certain large gifts you give. However, not all gifts are taxable, and many exceptions ...

    Does Workers' Comp Pay for Lost Wages?

    Any kind of injury or illness is a bummer, but when you get hurt at work, you have help. Unless you live and work in Texas, your employer must, by law, carry workers' compensation ...

    How to Begin a Vegetarian Lifestyle

    People choose to "go veg" for myriad reasons related to health, animal welfare and sustainability -- but a vegetarian lifestyle poses challenges. Once you give up meat, you may ...

    Do Apartments Often Accept Co-Signers?

    Looking for a new place to live can be stressful, especially if you've gone to a number of locations and haven't found a place that's right for you. What's worse is when you ...

    How to Analyze Credit Risk

    Creditors analyze your credit risk anytime you apply for a credit product, such as a credit card or home loan. The risk the lender is taking by giving you credit is determined by ...

    Multi-Year Budget Preparation

    Creating an annual household budget is an effective way to get your finances under control to help you meet your long-term savings goals. Once you know your savings and spending ...

    Direct Deposit Vs. Wire Transfer

    Electronic banking offers you not only 24-hour access to cash, but also the ability to perform many different online transactions, including direct deposits and wire transfers. ...

    Your Right to See the Apartment Before Paying

    Apartment complexes sometimes show renters model units because the actual unit the tenant will occupy is being renovated or cleaned, or is currently housing another tenant. You ...

    Steps for Transferring Money to PayPal

    Transferring money with PayPal requires little more than an email address. Whether you’re making a purchase or sending money to friends, PayPal lets you do so without ...

    The Difference Between Financial Independence & Being Financially Comfortable

    While there’s no financial industry standards that define concepts such as independence and security, common explanations describe these different goals. Financial ...

    Does a Joint Bank Account Reflect the Credit of Both Parties?

    A joint bank account can be an advantage and a disadvantage when it comes to credit scoring. In some cases, a joint account will help to boost one person's suffering credit, but ...

    The Effects of Paying off & Closing Credit Cards on Credit Scores

    Carrying high balances on your credit cards is bad for your credit score as well as your bottom line. Paying off and closing your credit cards have both positive and negative ...

    What Factors Negatively Impact Credit the Most?

    When you’re young and starting out, getting your credit in good shape and keeping it there will help you avoid a lot of bad credit headaches down the road. A low credit ...

    What Do Homeowners Association Fees Pay For?

    When you’re planning your household budget and you see check after check written to your homeowner’s association, you may be wondering, what in the world is all this ...

    How to Build Good Credit as a Young Person

    When you’re young, building good credit might seem impossible. It’s a catch-22: you build credit by using it, but you can’t get the credit to use without first ...

    How to Budget for a Fluctuating Paycheck

    If you make your living off tips, freelance work or commission, you may find yourself struggling to make ends meet at the end of the month. A few savvy budgeting tips can put you ...

    Is a Gift Card Taxable if You Sell It?

    Because most gift cards are not personalized, you can do whatever you want with a gift card. You can choose to re-gift or sell the card. If you are an experienced seller, you are ...

    Who Is Responsible for Paying a Timeshare After a Father's Death?

    Timeshares seem like something wonderful to leave the family when owners don’t consider the annual maintenance fees and dues they pass on. The responsibility of payment for ...

    Do I Need to Worry About Annual Percentage Rate If I'm Never Late?

    The annual percentage rate on your credit card, mortgage or other loan is the amount of interest you're charged over the course of 12 months. While paying your bills on time can ...

    Do You Have to Pay Every Month for Public Water?

    Although water bills are usually thought of as monthly expenses, water companies may not necessarily follow this schedule. Knowing when the bill is going to arrive ensures you ...

    Can I Cancel a Credit Card & Slowly Pay Off the Balance?

    If you are using your credit cards faster than you can pay them off, you could be looking at years of debt. Get a handle on your spending by canceling one or more of your credit ...

    Is it Better to Pay Off Credit Cards or Pay Them All Down to Under Half the Available Balance?

    Using credit cards responsibly plays a role in building a positive credit history to show lenders you can be trusted with money. However, your use of cards doesn't have to cost ...

    Can an Unpaid Credit Card Company Garnish Pay Checks?

    A credit card company can't garnish someone's paycheck if he doesn't pay his bills. A collection agency can't do it, either. However, the court will do it for them if the credit ...

    Can I Be a Co-Signer on a Car Loan if I Live in a Different State?

    If a borrower's credit history is poor, a strong co-signer can increase his chances of qualifying for a car loan. However, co-signing on a loan is risky -- if the borrower doesn't ...

    Consumer Rights Before Having Wages Garnished

    A garnishment of your wages is a last resort for creditors who have exhausted all other avenues of collecting a debt from you. And while a garnishment of your wages is a ...

    What Can Credit Card Companies Do to You if You Pay Less Than the Minimum Payment Each Month?

    Sometimes you just can't swing even the minimum payment on a credit card. Making some sort of payment may show the company you're acting in good faith and not running away from ...

    Does Paying Off My Federal Student Loan Help My Credit?

    Federal student loans are a common source of financing for people who otherwise can't afford to pay for their undergraduate and graduate educations. These loans are often the ...

    What Budget Percent to Allocate Toward Debt?

    Deciding what percentage of your budget to allocate toward debt isn't a one-size-fits-all calculation. Instead, you should weigh various financial guidelines and your own personal ...

    Can Wages Be Garnished for Nonpayment of Rent?

    Failing to pay your rent is a sure way to land yourself in financial trouble. You can be evicted, and your landlord can sue you for the money you owe, plus interest, attorney's ...

    Laws on Civil Suits for Unsecured Debt in North Carolina

    Unsecured debt is any debt that isn't backed by real property. Credit cards are a classic example of unsecured debt. Both state and federal laws control how, when and under what ...

    Am I Entitled to Proof of a Judgment Before They Garnish My Wages?

    Creditors who receive a legal judgment against you can garnish your wages. They can also take part of your pay if you get sued and don't respond in a timely manner. The creditor ...

    How Much Can Be Garnished From Your Wages in California?

    Title III of the Consumer Credit Protection Act is the federal law that restricts the amount of your wages that can be garnished for non-government debts. A number of states, ...

    Do You Have to Pay Financial Aid Back?

    Paying for college education isn’t cheap, but you might consider it an investment in your future. Whether you are a recent high school grad or an adult looking to go back to ...

    Does Co-Signing on a Loan Benefit the Cosigner's Credit?

    A strong credit score is necessary to secure a loan. For those with weak credit, one solution is to have someone cosign the loan. Cosigning a loan is a major financial decision. ...

    For What Can They Garnish Your Wages in Missouri?

    Getting your wages garnished is no one’s idea of a picnic, no matter what state you reside in. The good news is that Missouri garnishment laws give you a little more ...

    Can an Estate in Probate File for Bankruptcy?

    By law, only debtors can file bankruptcy. Any individual residing, domiciled or having a place of business or property in the U.S. can fall within the legal definition of a ...

    Does Cosigning a Loan to a Car Make You Responsible if the Person Gets in an Accident & Gets Sued?

    If you're not driving a car when it crashes, you're not usually liable for damages. There are exceptions -- such as if you knowingly let someone intoxicated use your car -- but ...

    Does the Pell Grant Have to Be Paid Directly to a School?

    The Pell Grant is provided by the U.S. Department of Education. Its purpose is to help financially needy students pay college expenses incurred in earning an undergraduate degree. ...

    How Long Do Items Stay on Your Credit?

    Your credit report is designed to give prospective lenders a detailed picture of your financial history. Lenders use the data in your report to establish whether you're a good ...

    Can Collection Agencies Garnish Your Wages If You Are Self-Employed?

    Collection agencies are known for their aggressive tactics. They'll do just about anything the law allows to collect a debt. If a collection agency gets a judgment against you in ...

    How Much Auto Loan Can I Afford?

    The rows of shiny new cars stretch as far as you can see, and the salesperson says you can have anything in this automotive ocean. Confidently, he assures you that he can get you ...

    If I Pay Off My Credit Card Balance at the End of the Month, Will I Have Finance Charges?

    A credit card account has some advantages, such as convenience and protection for payments made with the card. Credit cards can also be expensive if you carry a balance from month ...

    The Things a Tenant Pays for When Renting an Apartment

    The items a tenant is responsible for paying for when renting an apartment are largely dictated by the terms of the lease between the landlord and the tenant. Although a landlord ...

    Does My Husband Have to Cosign on the Loan With Me?

    Lenders ask for cosigners when your credit or income isn't strong enough to qualify for a loan. While a lender can't require a specific cosigner, including a spouse, it can refuse ...