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Ask Bill: Your Money Questions Answered
If I have $60,000 in credit card debt and I am consolidating for credit card debt consolidation, what is my lowest payment?

If you have questions about your debt, you've come to the right place. Find your answer here.
All debt questions

$32000 Credit Card Debt
I have $32,000 in credit card debt. Should I get a debt consolidation loan or ask for a hardship plan?
Feb 05 2010

 

Mortgages can be difficult to understand. Find answers to common mortgage questions here.
All mortgage questions

Refinance Three Mortgages
I have three mortgages and want to refinance. Can I refinance, and is now a good time?
Feb 05 2010

 

There are a ton of questions about credit. From credit scores to improving your rating, you'll find your answer here.
All credit questions

Delinquent Account
How do I determine the date of first delinquency on a delinquent account?
Feb 02 2010

 
 

How much do you know about insurance? From home to car and medical coverage, we have the answers to keep you well informed.
All insurance questions

Cancer Insurance
Is there any place where I can get assistance for the cost of cancer treatment?
Jan 29 2010

Attorney Collection and Harassment
I have a issue with this attorney that is very rude. I am very intimidated by this man and would like advice as to what I need
Jan 20 2010

 

Looking for a loan? Have questions about how to qualify, get the best rate, and more? Find your answer here.
All loan questions

Closed School Student Loan
My school closed two months before classes began. Am I responsible for repaying my student loan?
Feb 04 2010

Equitable Reverse Mortgage Review
Is Equitable Reverse Mortgage a good player in reverse mortgage?
Jan 22 2010

 

Browse through other financial questions and get details answers to detailed questions.
All other questions

Video: 401(k) & IRA: An Introduction to Tax Free Retirement Accounts
Video blog: What can you tell me about 401(k) and IRA accounts, and how do I know which is right for me?
Feb 05 2010

Debt Tax
If a credit card company charged-off the debt on my deceased husband's account, do need to report that as taxable income?
Feb 02 2010

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How Bills.com can help you

The Bills.com mission is to help people save time, money, and stress through better money decisions. Bills.com offers a comprehensive collection of financial information and tools for anyone in need of simple, sensible, financial guidance. Here is a quick overview of the most popular content at Bills.com:

Many readers come to Bills.com with questions about to resolve debt that is causing them distress. The Bills.com debt consolidation page contains tips, tools, guides, calculators and free how-to advice. If you want a quick overview of your debt consolidation options, review the Bills.com article Top 10 debt consolidation tips.

The good news is that you have four good options to solving your debt problems, and Bills.com has a section of the Web site devoted to each of these four options. The first is home refinance. Consumers with perfect credit with home equity should first consider a mortgage refinance. The second option is credit counseling. This is for consumers who can afford a healthy monthly payment and have time to pay off a credit card balance. The third option is debt settlement. Debt settlement offers a low monthly payment and rapid pay-off at the cost of a temporary drop in credit score. Freedom Debt Relief is one popular provider of debt settlement services. Finally, if you cannot afford a monthly payment to settle a debt, then consider bankruptcy.

Some rules regarding debt, such as collections laws and credit reporting, are federal and are the same across the US. Other rules, such as statutes of limitation and community property vary by state. If you have questions about specific rules regarding debt in your state, see the Bills.com State Consumer Protection Laws and Exemptions page, which includes consumer protection laws and exemptions for each state.

If you want to take charge of your money, the best way to do so is with household budget. A good budget is an expression of your personal financial strategy, which is based on your personal and financial goals. A budget can help you get free of liabilities, accumulate assets, and enable you to use your positive cash flow and assets to build a positive net worth. Download the no-cost Bills.com budget guide and break the cycle of debt.