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Money | Personal Finance | Credit & Debt Management

There are many ways to keep debt down and your credit score up. In Credit & Debt Management, topics include credit reports, bankruptcy, how credit cards work and new technology.

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How Zombie Debt Works

It lurches forward, seemingly unstoppable by the arsenal of data you've collected against it. You battled this foe years ago, but like the undead, it's come for you again and again -- this time in the form of letter from a collection agency. It's name? Zombie debt.


United Way’s Money Game App, powered by the SunTrust Foundation

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How are secured claims treated in bankruptcy?

How are secured claims treated in bankruptcy?

Knowing what you have to repay after bankruptcy is important. Learn more about secured claims and bankruptcy at HowStuffWorks. See more »

Does filing for bankruptcy hurt your credit score?

Does filing for bankruptcy hurt your credit score?

Bankruptcy can provide relief, but you should know the consequences. Learn if filing for bankruptcy really hurts your credit score at HowStuffWorks. See more »

How do you calculate disposable income?

How do you calculate disposable income?

Disposable income is a major indicator of bankruptcy eligibility. Learn how to calculate disposable income at HowStuffWorks. See more »

Can you get credit cards after being discharged from bankruptcy?

Can you get credit cards after being discharged from bankruptcy?

Credit cards can actually help you healthily rebuild your credit. Learn how to obtain them after being discharged from bankruptcy at HowStuffWorks. See more »

Can the trustee sell your exempt assets in bankruptcy?

Can the trustee sell your exempt assets in bankruptcy?

You don't lose every asset when you file for bankruptcy. Learn if the trustee can sell your exempt assets at HowStuffWorks. See more »

What was the world’s largest bankruptcy filing?

What was the world’s largest bankruptcy filing?

Businesses, cities, and even countries sometimes get into insurmountable debt. Learn all about the world's largest bankruptcy filing at HowStuffWorks. See more »

How does median household income relate to bankruptcy?

How does median household income relate to bankruptcy?

Income matters when it comes to filing for bankruptcy. Learn just how median household income relates to bankruptcy at HowStuffWorks. See more »

How do you write a hardship letter to creditors?

How do you write a hardship letter to creditors?

A well-written letter could effectively prove your hardship to creditors. Learn how to write a hardship letter to creditors at HowStuffWorks. See more »