 Is this a good way to build good credit? |
| I have absoulutely NO credit history so I went to american express and applied for the AMEX Green Rewards Card which is a charge card with no preset spending limit and I got accepted and the card is ... |
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 How can i get a consolidation loan to pay off all debts when i have bad credit rating? |
| I HAVE TRIED MOST PLACES FOR A LOAN TO PAY OFF DEBTS AND MAKE MONTHLY OUTGOINGS LOWER.BUT BECAUSE I AM CURRENTLY A HOUSEWIFE,AND DO NOT WANT IT TO BE A JOINT APPLICATION NO ONE WILL EXCEPT ME.OH AND I... |
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 300 pound debt? |
| My friend don't want to pay to the phone company (about 300 pound) cause he is going leave UK soon and probebly never come back. The phone company keep calling and send him letters. Plus,they ... |
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 Can I be arrested for not paying my credit card debt?!?!? |
| I'm 21 + a single mom. I got a Chase credit card 2 years ago with a limit of $300. I used it up, but never went over my limit. I was enrolled in a payment protection plan with the card, I lost ... |
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 Is it BAD to pay my credit cards off in one lump sum?? |
I was told that it could be bad for your credit score to pay off your credit cards all at once - Is this true? If so, how BAD could it hurt my score & for how long?
I am about $15K in ... |
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 How is American Express different from Visa or Mastercard? |
| I'm considering switching from Visa to American Express, because they are offering me a much better APR. I'm wondering if it's worth the switch. I'm slightly confused on the ... |
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 I gots a question to axe .. why come I losin my house? |
honey .. tell your momma I needs to move in wit her. Da bank comin to kicks me outta my house. I gots so many bills, who gonna pay my automobills ! I mean SHOEZ
I be goin to walmark to ... |
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 HELP ME PLEASE ? Its Urgent? |
| I have a credit card dispute with icici bank india .On the same hand i also have a saving account with icici bank. the bank has withdraw money from my account without taking any authorization from me ... |
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 Car reposessed today after just recieving notice of delinquency yesterday. How do I get the car back? |
| My fiance' works offshore on an oil platform, usually if he cannot make thepayment over the phone, he will call and I will do it. However, he has been out for over two months, and just returned ... |
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 I have many credit cards that are in a collection agency, should i pay them monthly or pay all at once? |
| Im trying to raise my credit score, so is it better to pay off all at once or should I pay monthly payments?... |
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 What's the best credit card to get? |
Please don't tell me "None" for an answer. What's the best card that give you the best rewards and easy to pay off online? Where did you get it?
Additional Details
ok ... |
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 Please help fast? |
| well here i go me and my husband bought a new tv but on intrest free for 40 months well the guy said they dont have any in stock.ok well when i asked he said in a week....week went by then i called ... |
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 Statute of Limitations / Collection Agency? |
| I was contacted by a collection agency about a debt from WI that I had 10 years ago. It was a state debt (Unemployment compensation to be exact). They went to court and got a judgement against me ... |
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 Credit cards with bad credit? |
Does anybody have any experience of bad credit and being able to obtain a credit card, if so which one accepted you?
I have a few defaults from about 6 years ago which should be clearing ... |
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rcpaden | Am I responsible for my husbands credit cards if they are not in my name? |
Am I responsible for my husbands credit cards if they are not in my name? I just discovered that he is $23,000 in credit card debit. He didn't tell me, I found the bills hidden in his desk that he usually locks. He has the house in his name too. I have been trying to get him to eat healthier lately and he won't since he has a family history of early death from heart disease. I am on disability and if something happened to him, I could not pay that kind of credit card debt. I would end up in bankruptsy.
Additional Details
He doesn't have a will and we have a minor child age 3. He constantly mentions how he isn't going to live to 50 (hes 46) ...if I had known he was ready to "check out" there would have been no three year old. This is why I am so worried about the finances. Sometimes when people think they are going to die...they do. |
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SPIFIMAN1
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Not unless you live in a community property State like AZ, CA, ID, LA, NV, NM, TX, WA or WI.
As long as you are not in one of those States his estate will be responsible for the debt if he were to die not you personally. |
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P.S.
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i would find out what the heck he's been spending 23,000 + dollars on !
If there is nothing to show for it, and you had no idea he was in debt by that much... it could be a sign of bad bad habits, cash advances spent on drugs, strippers, gambling, who knows.
If those underlying problems (if any) are not taken care of, you will never get out of debt. |
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DeeDee
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you are not responsible for his debts; however, if they are unpaid and the credit card company obtains a judgment, they will attach a lien against his real property and/or bank accounts. You would then be affected if they foreclose on the home you are living in. |
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mayo
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ask for a divorce and get out of there. |
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MBATXguy
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You are not responsible for his debts. However, upon his death, any creditors can and will make claims against the estate for those debts. The executor of the estate (most likely you) will be responsible for ensuring all debts are satisfied. The easiest way to do this to ensure he has life insurance. Let's think about this though.. 90% of companies today provide complimentary life insurance for up to 1x an employee's salary. Of course, I would recommend obtaining more, but we would hope his bills do not exceed that amount... You should convince him to raise the amount of life insurance provided through his job. Most employers allow you to buy up to 10X amount of yearly salary as a life insurance policy (premium deducted from paycheck - and much cheaper this way instead of buying it separate from employer)...
Otherwise, what others say is correct.. Insure him on up.. Hope that helps.. e-mail with questions... |
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Grandpa
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no if the cards are not in your name now if he has life insurance they can file a claim on them best bet is to have him file bankruptcy and clear them off if not able to pay them off if he pays the min he will pay them off for over 20 years |
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TAJA
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Get him to get life insurence. |
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LADY AT THE LAKE
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get a divorced now and not later |
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Lina W
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yes you do! be sure to get him to tell you all the money situation!! If not, you better have him work his butt off girl!! |
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Mom Face
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If something happened to him, yes, you would be. If nothing else, i would take out an enormous life insurance policy on him so that you could pay off his debt, house, etc in a tragic event. |
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@rlene
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Yes you are!! |
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