A creditor is a person or entity who lends money, while a debtor is a person or entity who owes money. In exchange for lending money to a debtor, the creditor sets repayment terms on the borrowed money, and the debtor may have to pay interest. Sometimes debtors are not able to pay the money they owe, so debtors and creditors have to work together to resolve the issue. This could involve refinancing a loan, debt consolidation, debt settlement, tax relief, or bankruptcy proceedings.

If you need an IRS form W-2 to file your federal income tax return but never received it, you don’t need to panic. You can try to track it down from your employer, contact the IRS, or file a substitute form. If you need more time to locate the missing information, you can also file an extension.

The cost of building a shed can range from a few hundred dollars for a small prefabricated shed to $5,000 or more for a custom-built model. The cost includes materials for the walls and foundation, labor costs, and finishing touches like lighting and paint. Many costs will be calculated by the square foot, so you can add them up based on the size of your shed.

Though it’s often possible to buy or sell a car without having the car’s title in hand, you’ll usually have to provide proof of ownership. The exact documents required vary by state, so you should check with your state’s Department of Motor Vehicles. You may be able to request a new title, transfer ownership of the title electronically, or obtain a temporary permit until the official title arrives.

A joint credit card can be a good way to streamline your finances with a partner and accumulate rewards on your spending. But because both cardholders are responsible for making payments, you could be held responsible for the other person’s mistakes. This could hurt your credit scores and damage your relationship. Adding an authorized user to one account or getting separate credit cards might be better options in the long run.

The number of points you can raise your credit score by opening a secured credit card depends on whether you are starting with no credit or trying to rebuild credit. By using your secured credit card and making your payments on time, you can improve your credit score on multiple fronts. Just make sure you choose a card with features that will make it easier for you to maintain good credit habits.