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Types Of Debt
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What Type Of Debt Do You Have?
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Federal Student Loan Debt
Federal student loans Debt offer certain benefits if they are directly made to students. Students are required to make no payments when they are in half time status. Being a student, you need not pay immediately.
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Mortgage/Home Loans
A mortgage default is a situation in which someone is not making payments on his or her mortgage, and the loan is considered to be ‘in default’, meaning that the agency which holds the note can choose to take over the property. Defaulting on a mortgage can result in the loss of a piece of real estate, and it should be avoided at all costs. Even if the property is not lost to the bank, a mortgage default will drag down a credit score significantly.
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Credit Cards
Ignoring credit card debt will not make the situation go away and the results will follow you for years. Ideally, it’s best to work out a payment plan with your creditors to pay off the debt. However, if you default on credit card debt, it will affect your credit, overall debt and you may even end up with a lawsuit.
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Medical Bills
Dealing with a debt collector can be one of life’s most stressful experiences. Harassing calls, threats, and the use of obscene language can drive you to the edge. What’s worse, a collector may embarrass you by contacting your employer, family or neighbors. You may even be hounded to pay a debt that is not rightfully yours. Sure, collection agencies have a job to do.
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Vehicle Loans
An auto loan default can have a significant impact on your credit score and your overall credit history. An auto loan is a type of installment credit. And while a successful payment history can help boost your credit history, even a few late payments — let alone a default or repossession — can make for a major negative mark on your credit report.
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Internal Revenue Service
The Internal Revenue Service (IRS) is a United States government agency tasked with collecting yearly state and income tax from working residents and businesses. Most citizens pay income tax to the IRS annually, though in some cases quarterly prepayments are required for freelancers and businesses that exceed a given income threshold. The IRS is part of the Department of the Treasury.
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Utility
Creditors are not simply going to ignore your utility debts. They will eventually come back to haunt you one day. Firstly, your account will fall 30 days past due. This is not too much of a problem. You will get charged a late fee and you might get a courtesy call from your bank reminding you to pay your bill. You will also notice a little ding on your credit report.
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