Credit/Debt Questions
credit card practices
I make payments to my credit card accounts on time, even a month ahead of due date. As I pay..
Pay down debt or save the money
Hi Terry, I’ve recently been let go from my employer due to COVID. I am going to receive a severance..
Organizing Finances and debt
I am currently looking to reduce my monthly expenses. I would like to take a consolidation loan for the purpose..
problem – free credit report
My free credit report from Transunion arrived in an opened envelope. I have freezes in effect for all three credit..
Credit card debt
Hi Terry, my wife and I are carrying about $80,000 on credit cards and are looking for the best way..
Debt: option settlements on credit report
hello, like many I have lost my job permanently. While looking for a new one and paying bills. I have..
How to freeze credit scores
How do we freeze our credit ratings as to protect ourselves from identity theft/scams. Afraid to google it!
Credit Card Payment overdue
What can I do if not able to pay credit card ? Bank says to go online for information, but..
Collection agency calls
My wife and I keep getting voice mails from debt collection agencies but pay what we can to the parties..
0 % balance transfer credit cards
I have a credit card that has a larger balance that I’m uhappy with. I do not know how to..
Credit Card Debt
I’m trying to reduce my credit interest rates for credit card debt ($20k). Are credit card companies willing to reduce..
Bankrupcy payments
Shall I continue making my bankrupcy payments during the Corona virus time?
Bankruptcy
We had a major unexpected financial hardship last year and our credit cards are maxed. Being a nonessential healthcare worker,..
Credit Score
A safe on line site to check your credit score
Credit card paydown
What’s the best way to pay down credit cards?
Refund
I am getting a refund of about 5,000 and I need to know what I should do to help further..
Debt Consolidation Help!
Terry, would you please list a few reputable companies that handle debt consolidation or debt restructuring programs. I currently have..
Establishing credit
I befriended a street person a few years back (addict sleeping on the street). He was eventually arrested spent 10..
Cancellation of debt after death
Hi! What is your experience with cancellation of credit card debt after the death of a person with a surviving..
Secured credit card for 21 year old
Is a secured credit card from Bank the best way to start a 21 year old’s credit history?