FAQs tagged as

Personal Debt

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

  2. Does bankruptcy information go on the public record?

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

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

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

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

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

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

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

  10. Will using an overdraft hurt my credit score?

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

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

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

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

  15. What is a good credit utilization ratio?

  16. How do debt collection agencies make money?

  17. How can I increase my FICO score?

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

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

  20. Can debt collectors add fees to my debt?

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

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

  23. How does debt consolidation lower my monthly payments?

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

  25. Are debt-consolidation loans tax deductible?

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

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

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

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

  30. What are the requirements for an FHA loan?

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

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

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

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

  35. What is a reasonable amount of debt?

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

  37. Is it wise to consolidate credit card debt?

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

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

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