 Why do so many people fall into credit card debt so easily? |
| A lot of people before they get credit card are determined to make full credit card payment every time and say that they can never fall behind because they are responsible. But after a short while, ... |
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 Debit Card Question? |
I have a debit card with about 800.00 dollars on it. Can I use it like a credit card at clothing stores, apple inc etc. By that I mean not over the internet, at the actual store.
thanks
... |
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 Does filing bankruptcy mean I loose my car & house? |
| If I file bankruptcy will I loose everything I have? Will all my debit be down to zero? How does bankruptcy work?... |
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 After I pay my debts, how long does it take for my credit to rise substantially? |
| I will pay off all of my debts in 6 months. Will my credit go up immediately after they're off of the books?... |
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 How do I improve my credit score quickly? |
| My credit score is far worse than I thought, and is dropping by the minute. I have a lot of debt, and little to no time to pay it off. I HAVE to buy my house in June and basically have to raise my ... |
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 Credit card? |
say i dont pay my credit card bill and the bank that has my savings and checking also issued me a credit card,can they go into my account without permission and take the money to pay my bill?
<... |
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 How do I start a credit score? |
| I am 18 years old and have no credit whatsoever, can i have a good credit score by june? and how do I start obtaining credit?... |
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 Difficulty with Experian, re: disputing errors on credit report. HELP? |
| I've been trying to resolve errors on my credit reports recently, but Experian is giving me a major headache. I sent them two letters via certified mail; one to request deletions, and a second ... |
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 Why would identity fraud be my problem and not my bank's ? |
| Suppose someone manages by digital or other means to trick my bank into paying out money which it incorrectly thinks that I have authorised. Isn't this the bank's problem in the end ? S... |
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 Why do people accept credit anf then not pay it back? |
| Don;t they realize that comapnies don't eat those costs, they pass it on to the rest of us who responsibly pay our bills?... |
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 How to increase credit score? |
Equifax is 739
Transunion is 750
Experian is 749
I have my credit card for 14 months ago.
How to increase credit score? cause i dont actualy use my credit card i only use ... |
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| Having problems with debt collector for an 8 yr old account they will not provide info other than amount i owe |
| Today i got a letter through the post from a debt collection agency. When i phond them i was greeted by an unhelpful agent who would not provide me with much info. The debtor was noted as singlepoint ... |
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 Am I reponsible for Mom's debt when she dies? |
My Mom has a couple credit cards and is about 12,000 in debt. Although I am not a joint owner of the card they have had me as an authorized user for years and in fact have issued me
a card in my ... |
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| Theres a checkcashing place my son cashed a check at, the people who sent him the check put stop payment on it |
and now ace express tells him he owes them 285.00$ what can they do as far as going to jail, or sending him to a collection agency
Additional Details
they check was a personal check from ... |
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 I have one shoddy credit card (26% apr? lol) that I only have in order to build credit. Will...? |
| they eventually give me more credit after so many months of paying on time and not really using the card anyway? Or can I request more credit at some point? I've only had the card for a few ... |
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 How would you be affected if your credit limts were reduced? |
| According to the article linked to below, one analyst thinks that the credit industry is poised to reduce the liquidity of the American consumer by 2 trillion dollars through credit line reductions. ... |
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Chuck | Must wife pay credit card debt of deceased husband? |
will wife assets be used to pay credit card debt of deceased husband with no liquid or hard assets |
 |
 
SPIFIMAN1
 |
If the wife was not a joint or co-signer on the account and they do not live in a community property State like AZ, CA, ID, LA, NV, NM, TX, WA or WI then the wife is not responsible for the debt.
If there is not enough money in the estate to pay the debt the creditor simply eats it. |
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STEPHANE O
|
Spifiman is correct. |
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A.Mercer
 |
This will depend on a few factors. In some states married couples accept the debt together. If the husband takes out credit then the wife can be held accountable for it. Also, if the wife and the husband enter into the credit together then both can be held accountable for it. An example would be getting a credit card in both names. |
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rockman1091953
 |
Spifiman nailed it. |
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Teri W
 |
Spifiman is totally correct. |
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sharriaries
|
It depends on the state you live in. Some states require that the spouse pay all debts. Other states don't. I strongly suggest you contact an attorney and ask them. Otherwise, you can search online for FDCPA laws (Fair Debt Collection Practices Act) It may take awhile, but you should find the info there. If you can't check with an attorney try this. A card company will not want to tell you you don't have to pay...but if ask them flat out, "Am I required by law to pay my deceased spouses debt?" They can't purposely lie to you.
Also try checking at a local bank...they may be able to tell you the state laws regarding this.
In joint accounts, the spouse almost always has to pay. But if you are an authorized user, you are not responsible if your state law doesn't require a spouse to pay debts. |
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Steve R
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Yes. |
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smartypants909
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If the husband did not have insurance on the credit cards, then yes, she is responsible for his debt. |
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Tom K
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No !!
she will not have to pay when some body dies
it considered a charge off a debt that can't be paid
buy deceased husband plus it not in her name
credit card debt is unsecured debt they cant go after you
or take any thing of yours |
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