Category Archives: Credit

Can debt collector leave messages on answering machine stating they are a debt collector?

MKD asked: Some have also stated that this is an attempt to collect a debt, etc. They do leave who is calling and phone number. Is this a direct violation of the FDCPA? Still getting calls after bankruptcy has been filed.Janette

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How do I fix credit card debt, I got good info on http://credit-debt-consolidation.blogspot.com/ , need more?

Stephanie B asked: I have $10,000 in credit card debt, and found some resourceful information on the blog with some good links, and I am wondering if anyone has some more.Willy

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Can I get a debt consolidation loan with bad credit?

mrbearpro asked: I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc
I have student loans, but I would like to consolidate them separatley and not through another loan.
Also, I have an auto loan, would the loan be able to cover that as well?
Please, [...]

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How to get a loan to pay off old credit debt?

walichick asked: About 6 years ago I had alot of credit and let it all go. I thought it went away after 7 years, but that is not true. All they do is keep selling it to other companys. Well i just got summons to court for an old debt. so how do I get [...]

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What is the difference between good debt and bad debt? And could you give me expample of each?

steelerspride24 asked: I just read somewhere where you can make money off your good debt. I just wanted examples of this.Willis

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How can I find debt consolidation thru the govt and not a for profit company?

Willow22 asked: I have heard bad things about debt consolidators. The gov’t has a program to help but I don’t know how to find them – any ideas?Lois

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Credit Debt?

Donald F asked: I have under $5000 in debt, and I want to make payments, but the payments I can afford, are not even covering the interest I am being charged. This debt was written off as bad debt, and killing my credit along with my debt growing. Does anyone have ideas in [...]

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How to handle bad credit debt thats almost 10 years old but it still shows up on my credit reports?

bynam asked: I have atleast 4 major credit debts that was in the early 90’s i thought bad debt only remains on your credit for no longer than 7 years its almost over 10 years but they still show up on my credit reports. Is there anything I can go legally to take those off [...]

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Now that washington mutual is owned by chase- can I combine credit debt?

saldana s asked: I have 1300 debt on a 1500 washington mutual credit card and 3400 debt on a chase credit card. My interest rate is 27% can I combine the debt on the two credit cards. Any tips on how to lower the interest?Manuela

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If I pay off my total credit card debt of $75k will this increase my credit score?

ParvardigarBaba asked: Hello,
If I pay off $75k which is my total amount of credit debt, will this increase my credit score? I am revising this question I just asked earlier. I have no other revolving debt than this. I am sorry for the lack of information in the previous question. Thanks for all the help [...]

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