El producto de dos números enteros es -540 si un factor es 12,¿cuál es el factor​

Can someone me and plz do the problem

Tim's phone service charges $26.39 plus an additional $0.21 for each text message sent per month. if tim's phone bill was $31.64, which equation could be used to find how many text messages, x, tim sent last month?

Mario has $14.35 left in his wallet. he spent $148.43 for tablecloths. then, he spent $92.05 for napkins. how much money did mario have in his wallet to start with?