Credit/Debt Questions
Use retirement money to paydown debt?
Hi Terry, My 59 year old cousin is at a crossroads as to what to do. She pays a total..
Credit Checks and apartment applications
I’ve been trying to get in contact with Experian for a few days because when I went to apply to..
debt consolidation
I have gotten over my head in debt I had put my 41 yr old daughter on one of my..
401k withdrawal for “buried in debt” situation
07/01/2018 Dear Terry After 18yrs I lost my job on April 24, 2014. I was unemployed for 6 months, had..
Credit Card debt consolidation
We’ve accumulated way too much credit card debt and need to consolidate. What’s the best way to go about it?..
Credit Freeze
Hi Terry, we froze all three credit rating account during the Experian breach. How long should we keep the freeze..
Best Credit Card for a New College Grad
Good Evening Terry; Can you please let me know which credit card is the best for a 2018 College Grad?..
Credit card debt consolidation
Hi Terry, What is the best program for credit card debt consolidation? Thanks, Jamie
Savings vs pay down credit card debt
My husband and I have about $240,000 worth of debt between our mortgage, car payments, and a couple high interest..
Taking money out of retirement account
I have approximately $26K in an account that I would like to cash out. I am over 59 1/2 years..
DCSD (Debt Council for Seniors)
How can I get in touch with the Debt Council for Seniors & Disabled? Your article that I read (perhaps..
equity line deductibility in 2018
Line of credit taken out in 2015 used for various reasons including roofing, can I still deduct the interest on..
Credit reports
How do I find my score without committing to a monthly fee?
Cleaning my credit
Hello Terry. I got divorced 8 years ago and due to this l had foreclose and credit card debt. My..
Bankruptcy
My father in law is 73 and his only income is SSDI. Would he be better off filing for bankruptcy,..
Tax Return
Hi Terry, First I want to say I love all of your advice and I have worked hard to decrease..
Best Credit and Debit Card for International Travel
Hi Terry, I have been trying to find a credit card and debit card that would be best to use..
Data breaches — credit monitoring or freeze?
Hello, I saw you on the news a few months ago after the Equifax data breach. My life is a..
credit freeze: extended?
I have placed freezes with each of the 3 services. Do I need to extend these now as the 90..
Home payoff or savings account
Hi Terry, My husband is 69 and retired. He receives a small pension (enough to cover our mortgage) and about..