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Using HELOC to pay down credit card debt

Q. I have $10,000 in credit card debt and I can’t seem to pay more than the minimum. I’m thinking of using my HELOC which I have never used to pay it off. Are there any downsides?

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Office rage series - businesswoman received bad news (Peter Bernik, ThinkStock)
Peter Bernik, ThinkStock
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Debt-collection proposals: Fewer calls, easier to dispute

Consumers could no longer receive multiple calls per day from debt collectors and would have more ability to dispute their bills under proposals released Thursday to overhaul the multibillion-dollar debt collection industry.

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Category: Money & Business Tags:
(Fuse, ThinkStock)
(Fuse, ThinkStock)
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How debts can put joint accounts at risk

Q. My mother put me as a joint owner of two of her bank accounts. I have a little trouble with debt, and I have two judgments against me that I can’t afford to pay. Can my creditors go after her accounts?

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Huntstock, ThinkStock
Huntstock, ThinkStock
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How to break the credit card overspending cycle

Q. I get paid irregularly so I end up using credit cards that I can’t pay in full each month, and I have to wait for paychecks to catch up. How can I get out of this cycle?

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Woman cutting up credit card
Big Cheese Photo, ThinkStock
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Strategies to pay off credit card debt

Q. I have several outstanding credit cards bills. What is the best way to go about paying them off? And are credit counseling agencies advisable to used?

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Property insurance.
Alexey Dudoladov
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Deciding on bankruptcy to solve your debt

Q. I can never seem to get ahead of my credit card debt. At what point should I consider bankruptcy?

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Huntstock, ThinkStock
Huntstock, ThinkStock
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Buried in debt: New survey reveals depressing stat

In a new CreditCards.com survey of debt-ridden Americans, 21 percent believe they will die in debt.

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Category: New Jersey News, News Tags: ,
Credit cards and American money
Comstock, ThinkStock
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US household debt levels held back by cautious consumers

U.S. household debt levels were mostly unchanged in the first three months of this year, held back by tight mortgage credit standards and consumer reluctance to borrow heavily.

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Category: Money & Business, News Tags:
RS2395_122486570-300x201
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New Jersey debt grows by $381 million from 2013 to 2014

The state's latest debt report shows New Jersey's obligations increased in the last fiscal year by $381 million, or about 1 percent, the smallest increase of Gov. Chris Christie's administration.

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Huntstock, ThinkStock
Huntstock, ThinkStock
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Carrying debt? One in five don’t see a way out

Nearly one in five Americans who carry debt do not believe they will ever pay it off according to a new report by CreditCards.com. That is double the 9 percent who said the same thing when asked in May 2013.  

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