Premise:
"i think that the whole credit card issue i think they certainly encourage people to run up the debts and but i agree with you i don't i try to limit my debts well i did buy a new house last summer that"
Hypothesis: All my credit cards are maxed out, I had to sell my house to pay off my debts.

no

Premise:
"The 15 of us, who had been talking loudly, fall into a spooky silence when she opens the door."
Hypothesis: The 15 people who were speaking loudly became silent so they would not get in trouble when she opened the door.

it is not possible to tell

Premise:
"I can't prove it yet but I know. The other two asked no questions."
Hypothesis: They didn't ask questions because they knew as well.
it is not possible to tell