I couldn't pay credit card bills in the last few months after the loss of my job. We have a new year party this month. I don't think I can pay credit card bills in January also. Can my creditors sue me? Will they report on my credit report?

Can debt collectors contact me in social media for debt payments? A collection agency is sending messages to me everyday in social messenger.

I have 6 credit cards in total. Ever since the lockdown happened, I have used only 3 cards out of them. I have not used them. I have not paid any bills also. My questions. Can credit card companies cancel the cards? What should I do now?

How long will it take for a lender to take over an account after the rehabilitation period has been completed?

I have 2 private student loans. Can you suggest some ways to deal with them? I have already exhausted all my options for federal student loans.

I am a divorced woman with 3 kids. I am going to retire in 2021. I am not in touch with my ex-husband. But my kids tell me that he is still working. His income is way more than me. Will I get more money if I claim his Social Security benefits? Do I need to ask him to get and use his Social Security benefits?

How do you plan to celebrate Christmas this year? It is better not to splurge since many people are facing financial crunch. So, any suggestions how it can be done in a different way this year?

How long does it take to recover after settling credit card debts?

I am planning to renovate my house in the next month. Can I get a loan for that? Will the interets rate be low since the mortgage rates are low now?

I have to take out student loan for my future studies. I just want to know can me and my parents take out the loan together? I mean 50% of the requirement will be taken by my parents and the remaining 50% me?