A reader has a two-year-old credit card judgment against her and is wondering if her hubby's on the hook for her lapsed payments. Credit expert Erica Sandberg opens the law books and lays out some tough love options …

A reader just learned he's an authorized user on his spouse's credit card and wonders if it would help his credit score if he became a co-signer instead. Credit expert Erica Sandberg weighs his options and offers six tips for couples with merged and separate accounts

A reader is working a minimum wage job, raising two teenage boys and drowning in so much credit card debt that she can barely make the minimum payments. What should she do? Credit Expert Erica Sandberg outlines a five-step plan

A reader racked up $1,000 on a secret credit card and is afraid to tell her hubby. What should she do? Credit Expert Erica Sandberg asks her to first examine the deeper reasons why she might be hiding the card …

A reader wants to know when and where he should whip out his plastic. Is McDonald's OK? Or should he only use his card for emergencies? Good question, says credit expert Erica Sandberg. First, she says, start with a simple budgeting exercise …