My husband and I just started credit counseling this month in order to get our credit card debt from when we were in college under control before our credit was really ruined. Anyways, now it looks like by husband is going to get a decent promotion but it is going to require us to go. [...]

Ok… I am 24 years ancient, in the military, and at 18 made some mistakes with credit cards. I have never paid the debt I owe, and I know that in Texas the Statute of Limitations for this debt is 4 years. I am no longer legally obligated to pay. I also believe its right [...]

Default Swaps Signal Bond Rebound as GMAC Sells: Credit Markets
Feb. 10 (Bloomberg) — The cost to protect bonds from default fell the most since November and companies with speculative credit ratings sold more than $3 billion of debt, a signal the rally in corporate securities may resume.

Many years ago when my husband divorced his ex-wife, he was self-empoyed and missed several payments. Four years ago, he filed necessary documentation to have the arrears included with his monthly payments, increasing his payments monthly to include an additional $100. After four years, the Texas Attorney General’s office is showing it outstanding and consistently late. [...]

First, about me.
I’m 32.
I own my home outright. 100% deed in hand
I pay cash for cars.
Next is Texas Law:
No wage garnishments for consumer debt
No liens can be placed on your homestead or its equity
I don’t care about my credit score. I’ve never taken out an auto loan in my life. I will [...]

Time to Join a Credit Union
Steve and Angela Olson, a police officer and high-school teacher in Dubuque, Iowa, were adrift in credit purgatory. They knew they could get a better rate on their home equity line, but ran into serio…

Excellent credit score of past not so excellent now
In the new lending environment, a excellent credit score is not excellent enough for today’s homebuyers.

Is it even possible? Want to do remodeling, pay off son’s car etc. Will also pay off house so I won’t have two “mortgage” payments. From what I’ve heard a HELOC is simpler/quicker to get. What I want to do is take out the complete amount and lock in the rates of the amount I [...]

I bought my home in 2007, it was built Oct 2007. I paid 123,400 for it. The home is worth 174,000 (appraised last week) and I wanted to know what would be the best solution for me. Also, the kicker, I am in between jobs right now. I have up to $9,000 [...]

Are both legal in Texas?