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.