FAQs tagged as

Personal Debt

  1. Why do some credit cards offer introductory APRs?

  2. Do lenders offer floating APRs?

  3. Are APRs different in different countries?

  4. What loans do and don't have an APR?

  5. What is the debt ratio for an FHA loan?

  6. What are common factors that lower your net worth?

  7. Is it better to get a balance transfer or a personal loan to pay off my credit card ...

  8. When is a balance transfer a good idea for paying off debt?

  9. Does inflation favor lenders or borrowers?

  10. How does interest work on a cash advance from my credit card?

  11. Does a cash advance hurt my credit score?

  12. What's the difference between a grace period and a deferment?

  13. What's the difference between a grace period and a moratorium period?

  14. What are the differences between payday loans and cash advances?

  15. What is the difference between an in-store and an online payday loan?

  16. Will a debt settlement program affect my credit score?

  17. What are the main categories of debt?

  18. What's the difference between debt consolidation and debt management or debt settlement?

  19. What are the advantages of applying for a private student loan with a creditworthy ...

  20. What are the advantages of using a home-equity debt consolidation loan?

  21. How do debt relief options affect my credit score?

  22. How do I find a good personal bankruptcy lawyer?

  23. What are some examples of a good time to take out a payday loan?

  24. What are some examples of credit report errors that I can dispute?

  25. Do I still owe debt collectors for a debt that's past the statute of limitations ...

  26. How often can I file bankruptcy?

  27. How will debt settlement affect my credit score?

  28. How can I consolidate my unsecured debt?

  29. What are some examples of good situations in which to use revolving credit?

  30. What's the difference between debt consolidation and debt settlement?

  31. How do I determine whether a debt consolidation loan is a good debt relief option?

  32. What is the difference between a loan and a line of credit?

  33. What is the difference between secured and unsecured debts?

  34. What are some signs that I need debt / credit counseling?

  35. What legal action can I take against a debt collector?

  36. What are the drawbacks to debt consolidation?

  37. What are some examples of a debt management plan (DMP)?

  38. How do I file a proof of claim against someone who has filed bankruptcy?

  39. What is the difference between overdraft and cash credit?

  40. What are the differences between balance-to-limit ratio and debt-to-income ratio?

  41. What are my rights under the Fair Debt Collection Practices Act (FDCPA)?

  42. Which debts are covered under consumer protection laws?

  43. What are some good alternatives to taking out a line of credit?

  44. Is a home equity loan a good way to pay off my credit card debt?

  45. What are some examples of debts that I can consolidate?

  46. What’s the difference between a consumer disclosure and a credit report?

  47. How will bankruptcy affect my ability to get credit in the future?

  48. What's the difference between a secured line of credit and an unsecured line of credit?

  49. What is the difference between student loan default and delinquency?

  50. What are some examples of overdraft protection?

  51. In what states are high-cost payday loans illegal?

  52. What's more important to lenders, my credit score or my credit report?

  53. What's the difference between a credit bureau and a credit rating agency?

  54. What are the pros and cons of consolidating my student loans?

  55. How does applying for student loans hurt my credit score?

  56. What are the differences between revolving credit and installment credit?

  57. What are the best ways to rebuild my credit score quickly?

  58. How long does it take for items to show up on my credit report?

  59. Can debt collectors add fees to my debt?

  60. If a collection agency buys my debt from another agency, does the debt become 'new'?

  61. How do debt collection agencies make money?

  62. What is a good credit utilization ratio?

  63. Are debt collectors allowed to call me at work?

  64. Are debt-consolidation loans tax deductible?

  65. Can a debt collector contact me about a debt that's no longer on my credit report?

  66. How long do typical debt management plans take to pay off debt?

  67. Is my credit score usually checked before receiving a payday loan?

  68. Can I keep my credit cards after filing bankruptcy?

  69. How does debt consolidation lower my monthly payments?

  70. Does bankruptcy information go on the public record?

  71. How can I increase my FICO score?

  72. What debts can I discharge when filing for bankruptcy?

  73. How can I improve my chances of getting a credit limit increase?

  74. What is the difference between available credit and credit limit?

  75. What are some signs my credit card's annual fee is too high?

  76. Will debt consolidation stop debt collectors and creditors from calling me?

  77. Can I erase my student loans by filing for bankruptcy?

  78. How are my cosigners affected if I file bankruptcy?

  79. Can I use credit cards that are on a debt management program?

  80. What debts don't have a statute of limitations applied to them?

  81. What debt cannot be discharged when filing for bankruptcy?

  82. Will using an overdraft hurt my credit score?

  83. How do I get information about my bankruptcy case?

  84. When does the statute of limitations clock start on my debts?

  85. What property / belongings can I keep after filing bankruptcy?

  86. What are the most common reasons credit limit increase requests are declined?

  87. What are the requirements for an FHA loan?

  88. Does my debt-to-income (DTI) ratio affect my credit score?

  89. How do I lower my debt-to-income (DTI) ratio?

  90. What counts as "debts" and "income" when calculating my debt-to-income (DTI) ratio?

  91. What's considered to be a good debt-to-income (DTI) ratio?

  92. What is a reasonable amount of debt?

  93. My mortgage payments are no longer affordable; is there anything that I can do to ...

  94. Is it wise to consolidate credit card debt?

  95. If my spouse passes away, will I have to sell my home to meet creditor obligations?

  96. What is the history behind today's bankruptcy laws?

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