Secured vs Unsecured debts?

[Mark80]

I am filling out my worksheet with all my creditors on them. I have a spot for secured and unsecured debts but I am not sure how to tell which is what? I know my mortgage and autoloans are secured, but how do I find out about the others.

I have a Wells Fargo credit line, and HFC credit line and so on.

Thank you!

[BK2008]

Credit cards are generally unsecured loans.
Are the credit lines tied to your house or a bank account?? Is there anything 'securing' them?

[Mark80]

Credit cards are generally unsecured loans.
Are the credit lines tied to your house or a bank account?? Is there anything 'securing' them?

Is that what that means? Not unless I signed something in fine print years back I was to stupid to notice. As far as I know they are just high interest credit lines.

So your saying if I had a loan that used my car as collateral, that would be a "Secured" loan?

Thank you very much!

[justplaintired]

Yes the car would be secured. Just call your lender and ask if it's secured. I would double check and find out if those lines of credit are connected to your home.

[BK2008]

Exactly. But since you already have a car loan, it is highly unlikely anybody would loan you when there is already a lien on the vehicle.
HELOC's are secured lines of credit.
They sound like standard lines of credit, unsecured.

[holding on]

Do any of your creditors have a judgement against you? If so, those might get listed as secured when claims come in.

[Mark80]

No judgements, infact nothing is over 30 days late until now. Its the first time I have ever missed a payment, and this was as instructed by my Attorney.