I know that bankruptcy and debt settlement both help to solve debt problems. But, which one is better? recently, I have read one article that bankruptcy helps to start afresh. But, usually a stigma is attached to it. So, a bit confused. Can you please help.

I will be going overseas. Can I prepay home loan online? I won't come back to the USA

Will I be blacklisted if I'm unable to make payments on a credit card? Will the future creditors disapprove my credit card request or increase the interest rate?

Which will help increase my credit score more? Paying off a 5 year loan ($5000 balance) with 12.83% interest or paying off a closed credit card ($4000 balance) which is currently on a $100/month payment plan with 10% interest, but interest will rise to 23.99% soon when the payment plan expires. Thank you!

I owe $40,000 on student loans. I earn $10,000 annually. So what do you suggest? What should I do? Should I refinance my mortgage to pay my student loans?

Should I maintain highest credit limit on my oldest credit card? Will it help to increase my credit score?

JI borrowed a loan I'm being harassed by a lawyer he told me he would get the authority to come my house n work to arrest me if I don't pay now is that possible?also I wanna know can a lawyer call me and harass me like that he said if I don't pay the loan he will have the police to come to my house and pick me up is that possible

Is it possible to settle debt over phone completely? Or, do i have to visit them to sign documents and things like that..

I will file bankruptcy. Don't know if I will qualify for Chapter 13 bankruptcy or Chapter 7 bankruptcy. How much do I have to pay to an attorney for Chapter 7 and Chapter 13 bankruptcy? Please suggest

gc services currently has my spouses student loan. and have last offered a rehab program in nov. she is unemployed and hasnt made payments in a year what are the chances they will garnish my tax return. should we contact to make payment plan and then file to make sure we get the return? would that even matter?