Genelia asked:


have a bunch of credit card debt but can now pay it down faster. Is it better to pay it off faster and not save any money?

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Hmmm asked:


My husband and i would like to sell our place and buy another place,however our debt income ratio is too high right now.
What would be better to pay off to lower our debt to help us move. Would it be better to pay off all our credit card / loan debt or one of our vehicles?
all our credit card/loan debt equals to around $10,000 and our vehicle is about $25,000

Thank you all for your help
i should also add that our credit card interest rate on everything is 19.9 % and up and our vehicle interest rate is 15%

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jason_deitz asked:


Credit card debt is out of control. Does anyone know of a good company (no scams) that can help me get out of debt or reduce it to a manageable amount? Does the government offer anything?

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David A asked:


I have a Credit Card debt with a collection agency, can I request a signed copy of the contract before paying? Do they have to provide me with a copy? I am of understanding such documents should be kept for 7 years legally. I have requested this information and they have provided me with everything but the information I have requested – a signed contract?

Many Thanks in advance…..

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Jon6464 asked:


This action would totally eliminate my credit card debt.

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Nicolas R asked:


like, if i owe a lot of money to 3 or 4 credit card companyes (like 4k each) on cash advances I know the interest rates are higher by a lot but is there a difference if the debt was for regular purchases? will they come after me more than if they were’nt cash advances? can I still file bankrupcy to get out of the debt?

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prymaat asked:


I am in Washington state. Have a credit card that charged off Jan 22, 2004. Unsure of the date of the first missed payment. In WA state, when does the “clock start to tick” to become past the statute of limitations? At the first due date I failed to pay and from which I made no further payments? Charge off date? What is the statute of limitations in WA state for credit card debt??

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novacool77 asked:


I hear ads every day from organizations who say they can reduce my credit card debt. Who can you trust?

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hello asked:


I have read alot of detail forums and comments regarding what I can do. I have recieved a summons (civil case) for a credit card debt. From what I have read, you can response to the summons that you are defending it. From there, I can send a letter to have them provide proof that the debt (or file Discovery) is mine to the collectors. If they can not provide proof, I can get the case dismissed. Is this true?
From collection agency that bought my debt from the credit card company. Better to file bankruptcy or try to have them provide validication to the debt with documents. If all fails, then fail bankruptcy? What is the best thing to do first?

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Kimme asked:


I have $14,000 credit card debt. I know, it is getting bad.

I just came into a $4600 inheritance–should I all that money to pay down my credit card? I’m hoping that it will reduce my finance charges.

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