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Updated Feb 08, 2010

Q: Credit Cards Debit    —San Angelo, TX

"Am having problems my husband got laid off and we have credit cards we need to pay but my problem is I don't make en..."

Answers:

I know it stinks and times are tough but you have to pay in the order of importance! Rent/morgage and electricity...grocries...etc...then whatever is left over you can...

S.- I'm sure someone will have some good advice for you, but the first thing I would suggest is for you to call your credit card companies. Many times you can work...

22 more answers >>

Q: A "Rewarding" Credit Card    —Downers Grove, IL

"We have a United Miles credit card and have discovered that the times to travel are limited and also have many connec..."

Answers:

I have mastercard "worldpoints" where u get 1 point for every dollar u spend. U can use these points to get cash back, merchandise, or vacations/travel. It's great!

Hi Carmen, We have a Chase rewards card that earns 1 pt for every $ and you can redeem for gift cards (usually 2,500 pts for $25 OR $25 check to you). This is the fir...

4 more answers >>

Q: Tips to Pay of Credit Cards    —Spur, TX

"What is the quickest and easiest way to pay off credit cards. Has anyone used a consumer credt counseling service or..."

Answers:

I second Total Money Makeover with Dave Ramsey. Get his book and read it cover to cover - you'll be able to read in rather quickly. Also, he's going to be in Dallas ...

You can use CCS, and they are good. You can negotiate on your own... but beware, this will show up on your credit report!

10 more answers >>

Q: Mom Is Being Threatened by past Credit Card Companies    —Fulshear, TX

"My mom is being harassed by past credit card debt. What is the statute of limitations on being taken to court? The ..."

Answers:

I had a similiar incident with a settled debt. Could she get copies of her checks. That way she has proof that she has paid them. I am not real certain what else sh...

If she resides in the state of texas, they can't "do" anything to her. Different states have different laws. Credit cards are unsecured debt. The company is taking ...

18 more answers >>

Q: Does an One Know for Sure About the 7 Year Rule?    —Euless, TX

"I was reading some of the responses to the question about the moms brother that had the credit card issue. My husban..."

Answers:

Hi C.---my husband and I have just completed the Financial Peace University class at our church and it covered this briefly. Myth: unpaid debt will just fall off my cr...

http://www.budhibbs.com/ This is an old friend. He has answered a call, to champion the financially challenged. Please go to his web site and read his book, the dow...

8 more answers >>

Q: Looking for Credit Card "Perks"    —Arlington Heights, IL

"Hi Moms, I was just wondering what types of incentives credit card companies are offering besides free hotels and ..."

Answers:

The newest program I have registered for is uPromise. It's a 529 savings plan to save for school expenses. These expenses could include college tuition, room and board...

Actually, someone mentioned only using "store cards" for special sales, etc. But, the GAP actually has a new GAP Visa... it can be obviously be used at GAP/Old Navy/B...

15 more answers >>

Q: Financial Advice    —Plainfield, IL

"Hello Moms, This year has been extremely tough with the economy. My husband was laid off and is now back in school..."

Answers:

L., This economy is tough for everyone. Whatever you do, do not go with a debt consolidation company who promises to save you money and work w/ your credit card c...

I have not ever been in that situation, but from watching a number of different things on tv, magazines etc. You should definitely look at your debt and lay it out if ...

3 more answers >>

Q: What Is the Best Way to Repair Your Credit After Filing Bankruptcy?    —Chico, CA

"I filed for bankruptcy 6 years ago...and have yet to even TRY to think about doing anything on credit since. However..."

Answers:

I bought my first home after filing Bankruptcy after only 3 years. I had a very goood loan person. His name is Merrick and here is his contact info. 1301 SE Tech Cen...

Hi S., My name is C. and I am a Real Estate Agent. I Know quite a bit about Credit and you CAN recover from a bankruptcy. I do credit Repair, it works really well. Wha...

23 more answers >>

Q: Credit Card in Collections    —McKinney, TX

"I'm helping my in-laws get out of debt. I'm currently doing the snowballing method and there is one particular bill ..."

Answers:

It is true that if the creditor wins the lawsuit, the creditor cannot garnish wages; the creditor would win a judgment which, when filed of record, could attach to the...

I have a friend whos parents are being sued by citi bank and target right now for about 12,000 and 5,000 they live in assisted living and can not afford to pay so she ...

1 more answer >>

Q: Trying to Help My Brother    —Terrell, TX

"My brother and his wife got a credit card, but the wife knew nothing of it. He racked up some debt and quit paying on..."

Answers:

the worst is put a lean on his house. which means when he sells it they will automatically take the money at the time of sale. we are going through this, but we are ...

Can he ask the collection department (or who whoever they are) to split the payments into two or three? They will probably insist that he give them his bank account in...

11 more answers >>

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