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.

Chapter 13 & Home Equity

Can I file Chapter 13 if I have equity on my house for $150k and owe $80k for credit cards?

Credit Reference Being Harassed by Creditor

Can the creditors call me if I am listed as a credit reference for a friend?

Collection Calls on 12-Year-Old Debt

We received a bill from a collection agency on an outstanding balance from 1995. Can they still send us a bill?

Statute of Limitations and Collection Calls

The statute of limitations 4 yrs. in Texas. How do I find out what was my last date of contact, or last confirmation of debt?

Tell Collectors to Stop Calling

How do I tell collectors to stop calling me?

Question about Collection Agency

What can you do when you call a original creditor and they transfer you to a third party?

Credit Cards and Community Property Law

Can credit card companies levy my spouse's bank account? The credit cards are solely in my name.

Being Sued While Deployed Overseas

How can I find out information about old debt without contacting the creditor?

Drop in Income During Chapter 13

What if one experiences job loss during a Chapter 13 filing and cannot make payments as outlined in the plan?

Consent Agreement in BK

We are under a chapter 13 already, If we can make the payments under the consent wouldn't that be enough to comply?

Creditor calling

Can an individual work out a repayment plan for a collections account?

Medical Debt & Medical Bills

I recently had a baby and we have been unable to pay the medical bills. What are my options?

Debt Consolidation with High Debt to Income Ratio

I can't get a consolidation loan because of too much revolving debt-to-income ratio. Can anyone help?

Upside Down on Loan

We are going through a separation and divorce and have a mini van that we can't afford to keep. Is there a way to negotiate a

Being Sued By Creditors

I am being sued by 3 different people loans, and furniture company. I have 2 weeks to respond to court. I need help.

Repossession Payments

Do you half to pay any money on the truck if the truck gets repoed because of missed payments?

Debt Settlement Collections After Settlement

We received a letter trying to collect on a debt that we thought we had settled a year ago. What should we do?

Being Sued by a Creditor

I recently decided to seek help though a debt settlement co. Now I have been sued because they didn't contact anyone. Can you

CreditGuard of America - Credit Guard Advice and Consumer Debt S

I recently signed up for credit services with Consumer Debt Solutions, Inc. and their Trust Account under the name CreditGuard

Charge Off Account

How long can an old charge-off account stay on a credit report?

Bill Collector

Can bill collector demand payment of bill if my wife and myself only collect social security?

Collections Notice on Old Debt

I recently received a collections notice for a debt owed in 1990, what should I do?

American Express Bill and AMEX Debt

I have not paid my American Express bill in full and now have a $60,000 AMEX debt that is in collections. Help!

Debt Settlement Advice and Tips

How do I find step by step info on credit card debt settlement?

Pay Off Outstanding Items on My Credit Report

There are outstanding items on my credit report, I want to know how to pay everything off.

High Debt Consolidation & Credit Score

I have good credit, but high debt. Is there a way to get inquiries off my credit report?

Chapter 13 Cost

What is the approximate costs from the lawyer if I file Chapter 13?

Judgement Against a Credit Card Default

I received a notice of levy with respect to a credit card default. What can I do?

Attorney Collections

Can a credit card company garnish my wages without a court hearing?

Chapter 7 & Job Loss

I was granted Chapter 7 in the spring of 2005 and was diagnosed with a heart abnormality. What are my options?

Consolidate Debt into One Monthly Payment

I would like to consolidated some of my debt into one monthly payment.

Social Security Overpay Debt

Can you help me get out of debt on back SSI payments that they overpaid me?

Chapter 13 Help for Mortgage

What are the mortgage relief options available to people in a Chapter 13?

$50,000 in Debt

Currently my wife and I have about $50,000 in credit card debt. What do you suggest.

Judgment Garnishment

What will happen when judgment has been filed against you at the courthouse?

Settling Debts with a Lump Sum

Can you give me advice on how to settle debts with a lump sum?

Mortgage Debt

How do I get off a mortgage after a divorce?

Business Debt Help

If I go on a credit card plan does it include business credit cards?

Declare Bankruptcy

I don't want to declare bankruptcy, but at this point I don't see any other way.

Chapter 7 or Chapter 13 vs. Debt Consolidation

Can I avoid bankruptcy and consolidate my debts fast!

Freedom Debt Relief Review

Is Freedom Debt Relief a good option for debt relief? Can you do a review of Freedom Debt Relief for me for my debt troubles?

Collection Accounts Help

Our credit is getting to be a problem and we have collection people calling us - Help!

Debt Settlement & Credit Rating

If I get help to settle my debt, do I lose my credit card?

 
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