• What happens to a parents debt when they pass away?

    So my Mom passed away a month ago. Prior to her passing, she had signed away her vehicle over to myself, as well as her home. The car has been already been titled in my name, same goes for the deed to the house. She evidently had credit card bills when she passed away, and collection agencies keep calling me... show more
    So my Mom passed away a month ago. Prior to her passing, she had signed away her vehicle over to myself, as well as her home. The car has been already been titled in my name, same goes for the deed to the house. She evidently had credit card bills when she passed away, and collection agencies keep calling me and sending me letters attempting to reach the ''executor'' of my Mom's will, which is me. From my understanding, I am not responsible for my Mom's debt since I had no knowledge she even had credit cards, and secondly I now own her assets. I was trying to look up how it works when collectors try to recoup money from someone who has died, and it all says ''to be paid from the deceased estate''. Question being, since everything was left to me and had already been signed over prior to passing, that in my mind tells me there is no ''estate'', correct or incorrect? The only things that are left are the items in the home which was all left to me. She also gave me a check for the entire amount of money she had in her bank account and she closed it. So, what can a collection agency do and am I responsible for anything?
    30 answers · 2 days ago
  • Customer bought a bunch of visa gift cards?

    He bought about ten 25 dollar gift cards. Along with the activation fee for each one. Then he turns around and uses them to pay for a ton of groceries. What s the point of this?
    He bought about ten 25 dollar gift cards. Along with the activation fee for each one. Then he turns around and uses them to pay for a ton of groceries. What s the point of this?
    13 answers · 2 days ago
  • Has my credit check been accepted for a mobile phone?

    i don't really have any credit history, but I was told that mobile phones Direct are usually accept people with not a lot of credit history. Any way I put all of my details in, not yesterday the day before and the website says it can take up to 12 hours for them to complete the credit check. I had an email the... show more
    i don't really have any credit history, but I was told that mobile phones Direct are usually accept people with not a lot of credit history. Any way I put all of my details in, not yesterday the day before and the website says it can take up to 12 hours for them to complete the credit check. I had an email the same day with an order confirmation "Thank you for placing your order with Mobile Phones Direct. Your order details are shown below along with the anticipated date in which your order will be dispatched from our warehouse." I have tracked it and it says "we are currently awaiting the arrival of your handset" Does this mean I've been accepted? They have given me an order number too.
    4 answers · 1 day ago
  • Question about late utility payment?

    I never got a bill for my gas, finally looked online, and realized the bill was due 6 days ago. Had a 0.16 "interest" charge. I immediately paid the bill. My question is, will this affect my credit? If so, how much?
    I never got a bill for my gas, finally looked online, and realized the bill was due 6 days ago. Had a 0.16 "interest" charge. I immediately paid the bill. My question is, will this affect my credit? If so, how much?
    12 answers · 3 days ago
  • Can someone explain the process of getting a card?

    Best answer: To do eBay, you need either a credit card, or a bank account. A debit card alone will not do, as they require age verification. You must decide which you want more - a successful business, or not to have a bank account. If you are unable to get a bank account for some reason, post that in another question, and... show more
    Best answer: To do eBay, you need either a credit card, or a bank account. A debit card alone will not do, as they require age verification.

    You must decide which you want more - a successful business, or not to have a bank account. If you are unable to get a bank account for some reason, post that in another question, and people can help you move forward. Be honest, people can't help you as well if you conceal information.
    9 answers · 1 day ago
  • How to get loan if you have bad credit?

    My credit is low because it doesn't have much history. Now to build it if no one wants to lend someone with low credit ? Chicken and egg problem here.
    My credit is low because it doesn't have much history. Now to build it if no one wants to lend someone with low credit ? Chicken and egg problem here.
    10 answers · 2 days ago
  • Will a bank help me?

    Best answer: you have to become a member of that bank .... credit unions are better
    Best answer: you have to become a member of that bank .... credit unions are better
    45 answers · 6 days ago
  • Can a debit card be used as a credit card?

    Do you have to provide a PIN to use a credit card and can a debit card be used like a credit card? A while ago my bank issued me a new debit card with a chip and a new pin. I thought I would be fine with a new PIN but I forgot it and I can't change my pin number without going into the bank. However I'm in... show more
    Do you have to provide a PIN to use a credit card and can a debit card be used like a credit card? A while ago my bank issued me a new debit card with a chip and a new pin. I thought I would be fine with a new PIN but I forgot it and I can't change my pin number without going into the bank. However I'm in a different city due to college and this city doesn't have my bank. I'm still kinda new the whole debit and credit card thing but I have purchased things such as books without having to provide my PIN. Does this mean my card was processed under credit? I haven't used my debit card that much, only for purchasing things like games online. I ask this question now because this coming weekend I'm going to be exploring my college city as part of a class and I will most likely need to buy food like at a restaurant for lunch.
    10 answers · 2 days ago
  • Can overdraft fee be refunded?

    I got hit with a 35$ overdraft fee from first Tennessee..About a week ago I had to use all my money on my card for an emergency leaving me a zero balance..The only automatic payment I have on that account is my gym membership..I thought when my gym tried to take their monthly payment it wouldn't go... show more
    I got hit with a 35$ overdraft fee from first Tennessee..About a week ago I had to use all my money on my card for an emergency leaving me a zero balance..The only automatic payment I have on that account is my gym membership..I thought when my gym tried to take their monthly payment it wouldn't go through..Today I put 300$ on my card and now its saying I have 244$ on my card 21$ for my membership and 35 for overdraft.. Will they refund me my 35$ like I said I thought it would decline my gyms payment I didn't know it would actually go through
    13 answers · 3 days ago
  • What is the best way to fix your credit consolidation debt?

    I'm trying to move out on my own and trying you find out the best way I can get my credit under control.. i have student loans and 4 credit cards (yes i know that's bad)... people are telling me either i should apply for a loan to cover all my debt and pay monthly on that and close out credit cards and pay... show more
    I'm trying to move out on my own and trying you find out the best way I can get my credit under control.. i have student loans and 4 credit cards (yes i know that's bad)... people are telling me either i should apply for a loan to cover all my debt and pay monthly on that and close out credit cards and pay off student loans... or file for bankruptcy... im just looking for advice what the best route to do is?
    7 answers · 14 hours ago
  • Would it be smart to take out a personal loan for this?

    So I have a credit card debt of around 4,000$ on two separate cards. My credit is still in the 600's. I know I can take out a personal loan to pay them off and have one steady payment and save money on interest. At the same time, my truck is breaking down. I keep getting more and more problems and I can't... show more
    So I have a credit card debt of around 4,000$ on two separate cards. My credit is still in the 600's. I know I can take out a personal loan to pay them off and have one steady payment and save money on interest. At the same time, my truck is breaking down. I keep getting more and more problems and I can't afford to maintain it. I also can't take a second job without a car. The new car I'm looking at is around 5000$. Can I just take out a personal loan of around 10,000 to make everything one payment?
    8 answers · 1 day ago
  • Where is the best place to get a money loan?

    I am looking to see if I can get a $2,000 loan and pay it back payments.
    I am looking to see if I can get a $2,000 loan and pay it back payments.
    8 answers · 4 days ago
  • Should I close my first credit card?

    16 answers · 5 days ago
  • Is it "auto pay" with a credit card?

    7 answers · 4 days ago