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Each week, credit expert Erica Sandberg answers questions from readers. Please note that it may not always be possible to answer every question or respond to individual inquiries.

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Can debt collectors throw you in jail?

Debt collectors can ask for your contact information from your family or friends, but can they threaten jail time?

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Credit cards can be a lifeline, but not all the time

When funds are low, and there's no food in the pantry, is it time to turn to a credit card?

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Steps to protect young adults from identity theft

Young adults should be aware of identity theft issues so they can prevent identity theft from happening ...

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What should you do when a creditor threatens to sue?

Just because creditors threaten to sue, doesn't mean they can. But know the law in your state before proceeding ...

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What do potential landlords look for in your credit report?

You don't have to have a stellar credit history to rent, but the better it is, the easier it will be for you to land a place ...

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A pet's medical costs shouldn't have to hurt your credit

When a pet's medical costs encroach on your budget, there are ways to get him treatment without harming your credit ...

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Spouse overspending on cards? Here's what to do

Don't know what to do about your spouse's spending sprees? Here are some solutions ...

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What to do when you have no job and student loans

When your finances are crashing down around you, what should be your first step?

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Should you use your emergency fund?

You've saved all that money in your emergency fund, and now a surprise bill is in front of you. What should you do?

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