FAQs tagged as

Personal Debt

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

  2. Does inflation favor lenders or borrowers?

  3. Does a cash advance hurt my credit score?

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

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

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

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

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

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

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

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

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

  13. What are the main categories of debt?

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

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

  16. Which debts are covered under consumer protection laws?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  32. How can I consolidate my unsecured debt?

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

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

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

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

  37. What are some examples of overdraft protection?

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

  39. Does shopping for student loans affect my credit score?

  40. What are the drawbacks to debt consolidation?

  41. How will debt settlement affect my credit score?

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

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

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

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

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

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

  48. How often can I file bankruptcy?

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

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

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

  52. How does debt consolidation lower my monthly payments?

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

  54. Are debt-consolidation loans tax deductible?

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

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

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

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

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

  60. Does bankruptcy information go on the public record?

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

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

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

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

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

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

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

  68. Will using an overdraft hurt my credit score?

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

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

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

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

  73. What is a good credit utilization ratio?

  74. How do debt collection agencies make money?

  75. How can I increase my FICO score?

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

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

  78. Can debt collectors add fees to my debt?

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

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

  81. What are the requirements for an FHA loan?

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

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

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

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

  86. What is a reasonable amount of debt?

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

  88. Is it wise to consolidate credit card debt?

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

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

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