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 debt-related 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 relief page contains tips, tools, guides, calculators and free how-to advice. If you want a detailed comparison of your debt consolidation options, review the Bills.com article Debt Relief Options and find out if Credit Counseling or Debt Settlement is right for you.  Also, explore the information on Government Debt Relief programs.

The good news is 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. Some of the Bills.com pre-screened providers have programs for things like Debt Relief – Debt Help – Debt Settlement - and - Credit Card Debt Relief and 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 Statute of Limitations and Collections page, which includes consumer protection laws and exemptions for each state.

With the current state of the mortgage market, we are dedicated to providing the most up-to-date information on lenders and their services. For a comprehensive review of lenders including tips on how to get a Bank of America Mortgage, or to get a Chase Mortgage, please view our lender profiles. Our reviews includes pros and cons of each mortgage lender, as well as a Bills.com user rating.  Bills.com has also reviewed lenders like US Bank and HSBC Mortgage and Charter One and Countrywide Home Loans as well an many other mortgage loan providers.  If you are seeking a new mortgage, be sure to check out a very innovative new company named Home Account that has a terrific way to apply online for free and see and compare rates.  The last tip on mortgage loans to to be sure to check out our tips on qualifying for an FHA Mortgage or FHA Refinance Loan.

We are also constantly working to add more tools and tips, so check out Ask Bill, BillsIQ, and our calculators and guides to help you make complicated decisions a lot easier.