This reader's sister is rid of her ex — but not his debts. Add crushing medical bills to the mix, and she might well be on her way to bankruptcy. Yet bankruptcy isn't the only option, says Erica Sandberg

This reader shares a name with his father — and now his father's credit blunders are ending up on his credit report. Erica Sandberg helps him solve this case of mistaken credit identity

This reader's teen daughter is already a responsible saver. But should she have access to Mom’s credit card? Erica Sandberg doesn’t think so

This reader is finding her high credit limit a bit too tempting. Yet lowering her limit before paying off her debt could hurt her credit, Erica Sandberg warns

Can you haggle with your credit card company over how much debt you have to pay off? This reader's chances at a debt settlement are slim, says Eric Sandberg — yet it might be worth a try