As per the divorce settlement agreement, I'm liable to pay off 3 credit cards. Please suggest me how can I settle these 3 cards.

I am sure many of you will agree that every year we have to plan a budget to make plans for the holiday season. Is there any way to plan it over the year, If yes, how?

Yesterday, I met a bankruptcy attorney. He said that credit score is the last thing I should be thinking of right now since there are lots of unpaid debts. But, credit score is important. Will my credit score go up after filing bankruptcy?

My son will go to college next year and my daughter will go to college after 3 years. So, will I have to take out student loans or they have to apply for student loans themselves? Another thing - even if I take out a student loan, will I have to pay for it or my children will start paying after they get jobs?

How to settle credit card with Citibank? I want to negotiate with them for 2 credit cards with high interest rates.

I have heard about online budgeting apps. Are they user friendly and reliable? Will they keep my information secret?

Is there any limit beyond which the length of credit history is not taken into consideration? If a person has a credit card for 40 years, will it reflect in the credit report?

How do I save myself if someone files a lawsuit against me after enrolling in a debt settlement program?

I couldn't pay off my student loan debt before leaving US. This was 4 years back. Now, I am planning to get back to US. Will I be arrested for the debt?

I am facing some problem with managing my finances. I am thinking of taking credit counseling help. But, will it affect my credit report and score?