Bill Answers Your Questions About Debt Relief

Find Answers to Readers' Questions About Debt Settlement, Credit Counseling, and Other Strategies.

Bills.com gets thousands of questions from readers on all of their debt relief questions, including everything from how to consolidate debt to what is the best debt solution.  Read the top Ask Bill questions and answers below to find your own debt solutions, all free from Bills.com.

Student Loan and Credit Card Debt Relief

How can I solve my student loan and credit card debt problems?

unsecured line of credit and pay for delete

How can I improve my credit report if I default on an unsecured line of credit?

Kaiser Permanente Medical Bills Financial Assistance

I do not understand my bills from Kaiser Permanente. What can I do?

Personal debts and Personal loans

How can I deal with many types of personal loans and personal debt?

Stafford Loan Consolidation

How Do I Consolidate my 27 Stafford Federal Student Loans?

Debt Settlement Company

How do I find the right debt settlement company? Can you guide me to a solution?

Citi Debt Consolidation | READ THESE FACTS!

My Credit Card Debt is Out of Control. Citi is My Largest Creditor. Is There a Citi Debt Consolidation Program That Can Help Me?

Chase Debt Consolidation | READ THESE FACTS!

I am Drowning in Credit Card Debt. Chase is My Largest Creditor. Is there a good Chase Debt Consolidation Program?

Bank of America Debt Consolidation | READ THESE FACTS!

My Biggest Debt is With Bank of America. What is My Best Bank of America Debt Consolidation Option?

Debt Coach vs. Your Provider

If a debt resolution provider I am considering quotes me a significantly higher cost than Debt Coach am I being ripped off?

Statute of Limitations Lawsuit

What can I do about a law firm suing me over a credit card debt that is beyond the statute of limitations?

Rollover into IRA

How can I rollover $60,000 in profit sharing into an IRA?

Co-Signer Rights

What rights to the property does the co signer have?

Minimum Payments and Credit Card Refinance

The Minimum Payment Calculator Helps You Make Good Choices on Paying Credit Card Debt.

Phone Payment for Debt

Should I Allow a Collection Agent to Access My Bank Account Before Signing a Contract?

Default on Payment Agreement and Settle Debts

Should I break an agreement with one creditor to settle my account with another creditor?

Divorce and Underwater Home

How does my ex's Chapter 13 affect my home, if she is still on title to the property?

Debt Reduction Scam?

Are the debt reduction ads on TV that promise to consolidate debt scams?

Investment Property Mortgage

I want to get my ex's name off the mortgage to my investment property, but I have bad credit. What do I do?

Debt Help Center USA and Debt Relief USA

What can you tell me about Debt Help Center USA and Debt Relief USA?

Barred Debt

If I speak on the phone to a collection agent about a debt, have I waived my state's statute of limitations on the debt?

Profit Sharing Plan Rollover

Should I cash-out my profit-sharing plan or roll it over into an IRA?

Credit Card Accounts

Does each debt relief program require me to include all the credit card accounts that I have in the program?

California Clerk Judgment

What is the difference between a clerk judgment and a court judgment?

Lower Payment

I am about to fall behind on my bills, what do I do? Is there a way to lower my payment

Debt Settlement Help

My aunt has $30,000 in a debt settlement plan. She dropped out after 6 months and did not get a 100% refund. What can she do?

Unsecured Debt

I cannot afford the payment on my unsecured debt. What are my legal rights?

Credit Card Balance

Who much can a collection agent demand from me on a credit card account?

Cambridge Credit Counseling Review & Ranking Score

My credit counseling service named Cambridge Credit Counseling receives money directly from the credit card companies. Can they work effectively for me or are they a scam?

Statute of Limitations on Credit Card

Is my credit card an open account or a written account?

Credit Card Assignment

Can my credit card issuer assign my delinquent account to a collection agent if I don't want it to?

Reaffirmation

Following a bankruptcy, should I reaffirm my mortgage?

Debt Management Plan vs. Auto Loan

Is it smarter to pay-off my auto loan or contribute money to my debt management plan.

California Student Loan Default

If I default on a private student loan, can the creditor get a wage garnishment on my spouse? I live in California.

Debt After Death

Is a widow(er) responsible for the deceased spouse's credit card debt if the widow(er) was an authorized user?

Lower Credit Score

Don't place too high a value on your credit score, when you have a lot of debt

Equifax Debt Wise

Is the Equifax Debt Wise program a good product?

Utah Collection Laws

What are the common guidelines for outstanding debt in Utah?

Louisiana Credit Card Debt

My disabled sister has $10,000 in credit card debt she cannot afford. What are her options?

California Spousal Debt

Can my wages be garnished for my spouse's credit card debt?

Unable to pay minimum credit card payments

Take every step possible to protect your credit score

New York Spousal Liability for Debt

If my spouse defaults on credit card debt, will it hurt my credit rating?

Walmart Credit Card Available Balance

Find out your available credit on your Walmart card

Chapter 13 and Short Sale

I want to cancel my Chapter 13 bankruptcy and pursue a short sale. Smart idea?

Collection Agency Fees

Does a state's usury law protect consumers from collection agencies that add high fees to a debt?

Chase Short Sale

I reached a settlement with Chase regarding a short sale. Now Chase and collection agents report it on my credit report. What can I do?

Enforcing Out-of-State Judgment

If a creditor has a deficiency balance in one state and I move to another, which state laws apply?

New York Statute of Limitations & Vehicle Repossession

What is the New York statute of limitations for a vehicle repossession?

Business Credit Card Liability

My corporation failed. Do I have personal liability for a business credit card?

Offer and Acceptance

Can a collection agent or original creditor withdraw a settlement offer before the time-limit on acceptance lapses?

 
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