Ryan 21 asked:


Myself and my soon to be fiance are in a lot of credit card debt. Between the both of us we always pay our bills on time but now it is starting to become a problem where it is getting overwhelming. I want to get a loan to pay off everything in 4-5 yrs but don’t want to work with a debt solution company if it is going to hurt our credit.

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kit asked:


My sister went to Sears and applied to their credit card. However, she has a lot of debt to pay from the previous credit cards that she owe. I can’t get her to stop being involved in credit. She is working and still always get a new card. So, how do I get her to stop applying?

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greydonthemagician asked:


Hey,
I’m a student living away from home and I am stressing a little over my credit card debt. I currently owe 1,500.00 on my credit card. Is this a lot? should I be stressing out about it as much as I am?

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jenahfah asked:


I’ve had this account for about two years, and I haven’t used it in a long time, and I’m thinking of closing it but I don’t know how it would affect my credit report. This is a secure credit card, with only a $300 limit. I have two other credit cards that I use a lot more often and I’ve been very responsible about paying bills on time.

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Mrs. E asked:


Im currently disputing a lot of derrogatory info on my credit reports from all 3 agencies. I currently have no major credit cards and was informed that if I opened a credit card account and made the payments on time that would up my credit score.

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RunsWithKnife asked:


I owe about $12,000 in credit card debt and I wanted to make that my year’s goal to pay it off, but a lot of the websites I find require that you own a home, or charge a huge interest for someone to “negotiate” with your creditors to bring down interest. Does anyone know of a good resource where I can just consolidate the debt and make one reasonable payment?

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perkins asked:


I have A LOT of credit card debt from opening a business and having to sell it in one year because of family responsibilities. Saw a bankruptcy attorney, but the options don’t seem to work for me as there’s no way I could ever pay off these debts.
I know it’s very immoral, but what will actually happen if I just stop paying on them? I know I’ll be inendated with phone calls and lose my good credit standing, but can they attach my bank account or any other asset?

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