 What is the physical difference between a credit card and a debit card? |
Is it true that you do not need the pin and the password to use the debit card.
please help me on this?... |
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 Using someone's credit card after they pass away? |
| My mom is a signer on my step dad's credit card. My step dad passed away and my mom is still using his card. She plans on using it and not paying, counting on the fact that it doesn't ... |
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 Credit Report? |
| I need to pay all the debt off of my credit report. Is there any certain way to go about it, other than to just go to the businesses and pay it?? And after its all paid off, how long will it take for ... |
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 If you never use your credit card, can you still be charged a fee? |
| I am a college student and would like to apply for a credit card to start building my own line of credit, to be honest i dont plan on using it at all, just for emergency type of thing. But if i do ... |
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 Credit reports? |
whats a website that i can get a free credit report right away and one that won't hurt my credit by checking, i want to try and get a new car tomorrow. HELP PLEASE!
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 How can I raise my credit score 50-100 pts in 6 months? |
| I had became ill and thus, went through some financial hardships....so, please don't judge. my credit got messed up. I would like it to go up 50 to 100 pts in 6 months. is this possible? and if ... |
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 About to marry into some credit problems.? |
| I may be getting married to someone who has at least 13,000 dollars in credit card debt. His first finace was to blame (or so he says) but the point is, the debt is there. I feel like I'm going ... |
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 What credit card can I get with bad credit? Any luck??? |
Hi,
I have like extremly trashed credit from back when I was 18. I am 23 and basically didnt care when I turned 18 and now regreting it. I am VERY good with money and responsible. I ... |
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 Does it help your credit to pay your credit cards off and never use them again? |
| I managed to make some credit card debt trying to raise 2 teens by myself w/ no child support. They have moved out and now I am paying off the debt and have very small balances on the cards like $101... |
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 What's the difference of going to court and not going to court for credit card debt.? |
| I have a summons to court for next week for capital one credit card debt that's indeed mine and if I go or don't go the judgment will be filed against me because it is indeed my debt and I ... |
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 Is it safe to add someone as an authorized user on a credit card? (piggybacking)? |
| My father did this for me years ago (still have the cards). I'd like him to add me to more of his accounts to raise my fico score. I don't want him to think I'm going to rip him off, I ... |
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 How can you raise your credit score? |
| WHAT CAN YOU DO TO RAISE YOUR CREDIT SCORE, AND WHAT SHOULD YOU BE LOOKING OUT FOR... |
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 I NEED an auto loan...? |
For $12,000.
BUT:
-I am 18 with 6 months of credit history
-Have a FICO score of 708
-Have a STEADY income of $1100
-Plan to repay within 36 months
PLUS: My ... |
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 How do you get out of a credit card debt if the sum of your minimum payments exceeds your actual balanace? |
| I owe $5,000 on 1 credit card and probably paid $7,000 in interest and fees over the years but still carry nearly the same balance at a high interest rate - makes it hard to pay off. Ideas? Tricks? T... |
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 Buying new car but first.... should we pay off car loan or credit card? |
| We are going to buy a new car in the next couple weeks (a TrailBlazer SS). My car is currently paid off. My husbands car only has 3 payments left on it. I can pay it off now or apply that money ... |
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 Ok I have apprx. 35k in dept. I'm lookin to file bankruptcy but i'm not sure what chapter I need to file under |
So i guess my question is What chapter do I need to file under?
Additional Details
when going through a debt consolodation will my truck be included in that? It makes up about 50% of my ... |
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la | Can credit card companies make my dad pay for my moms debt? |
the credit card was only in her name(no joint or authorized user)so the company is saying that since the house was in both mom and dads name he is responsible to pay her debt(9,500) because he can sell, mortgage the house to pay the debt.she left nothing, They say its texas law.
Additional Details
they were married |
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Tim B
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First, in TX, they can't take your house. If they are threatening him, he needs to notify the Attorney General.
Credit card debt is unsecured debt and has no colateral attached. Think of it as a signature loan.
If your parents were legally married or common law he IS responsible for the debt. TX is a community property/debt state. If they were divorced then the decree should state who was responsible for what debt.
The credit card company should be willing to work out a payment program with him. If not, it will go on his credit history. |
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PatV
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Absolutely. Just like a non-working spouse can buy a home using the working spouse's credit, married couples are responsible for debt incurred by either partner.
You say there "were married". Has your mother passed away? If so, than all her debts are applied to her estate.
If they are divorcing, they'll have to split debts/assets, including those debts incurred by only one of them. If the divorce is final, and your mother has failed to pay the balance, your father can't be held responsible.
Circumstances are always different, seek out a lawyer's advice to be safe. |
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sarah a
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Studly and Tim are correct on this.. but you need to consult an attorney of this, with a divorce and all. If the credit cards stated before you were married they cannot do anything at all. Most likely they are using scare tracts they do this very well. lets say the debts are like this 1 card 3k 2nd 4k 3rd 2k it more then likely they will do nothing, its not worth there while. unless you have lots of equity involved then refinance and hide your equity lets say in account with your name. then they will not bother with a lien. Its a big game but i would not jump the gun and pay them. If they threaten you with they probably will know your rights and be prepared for a battle. |
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huh h
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I dont think so.. |
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singlemommy770
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i would,'t think that a credit card could do that. especially since its in your moms name. he should call his lawyer and see what they tell him. if the divorce is finalized and this wasn't mentioned in the debt accumulated by both then i don't think they can but i live in Iowa not Texas. |
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Studly
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Tim B is correct. In Texas (which is a "community property state") , both spouses are responsible for the debt.
I'm not certain of this (need to research it a little) but a lien could be placed against the home. They can't take your home, only place a lien on it. You could not sell the home until the lien has been paid.
If there is a divorce involved in this, that will complicate things a bit more, so you need to get some advice from a lawyer familiar with Texas collection laws. |
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tweetymay
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If they are divorced, this should have been brought up during the settlement.
If he can prove that she opened the account AFTER the divorce, then he has no liabilities to it. If it was opened during the marriage, he could very well be responsible for it. |
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Ron K
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Depends on the state you live in and the joint laws |
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