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Debt Help Information
If you're in debt, you probably need to get debt help to get yourself debt free and back on solid financial footing. Bills.com can help you evaluate your debt help options, from debt consolidation loans to credit counseling to debt resolution. Many people let debt pile up and don't get aggressive about getting debt free. If you really want to get your finances back in order and your creditors off your back, you need to:
- Establish a plan
- Know your options
- Start paying off your debt
- Get a Debt Help Savings Quote
Bills.com has all the debt help resources and information you need to start tackling your debt. We even have a Debt Help Savings Center that will help you find the best solution for consolidating and paying down your debt, whether that is debt consolidation, credit counseling, debt settlement or other forms of debt help. Bills.com will help identify what options you have and which ones are best suited to help you tackle your debt. Browse through our articles, debt help guides, and debt relief tips and get all the information you need to get debt help.
Bill's Expert Advice
Debt Success Stories
Read a personal story about debt help and gain a better understanding of what's involved.
Debt help success story
Debt Questions
- How do I find out what my debt help options are?
It's true that there are a number of ways you can tackle your debt. If you have multiple debts across a few credit cards, you can always consolidate them with a consolidation loan or a balance transfer to a lower rate credit card. If you want to get the creditors off your back without filing for bankruptcy, you can negotiate with your creditors or even hire the services of a credit counselor or debt settlement firm who will negotiate with your creditors and help you establish a payment plan. - I tried to budget my finances so I can start paying off my debt, but I'm still not getting anywhere. What do I do?
It is possible that even after you establish a strict home budget that you just can't seem to put a dent in your debt, maybe your monthly income just isn't large enough to cover your expenses. Typically, this is when you might want to seek third party help from a debt help provider — such as a debt management firm or a credit counselor. Maybe you can talk to your creditors and try to negotiate a lower lump sum payment or a lower rate or payment. If you cannot get anywhere on your own, or are struggling with just making minimum payments, you can try to seek help from an approved debt help firm by applying through the Savings Center at the top right of this page. - Is there an estimated length of time it takes to pay off debt?
No. It all depends on how much you owe, the interest rate attached to your debt, and how much you pay each month. A typical assumption, however, is that just making minimum payments on your credit cards could result in paying off your debts for over 15 years.
Today's News
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If I default on all my accounts what is the worst that can happen?
Glossary of Debt Terms
Collection Agency: A company hired by a creditor to collect a debt that it is owed.
Credit Counseling: A program for reducing monthly payments, where a consumer is placed on a "Debt Management Plan" to repay their bills, frequently at a reduced interest rate.
Credit Score: A determination of the ability for a consumer to make payments on future loans, determined by analyzing their past and current performance, including payment history, debt level, debt utilization and other factors.
Debt Consolidation: A loan, provided to consolidate debts into one loan with one payment, typically shifting credit card debts to secured debt by refinancing a mortgage.
Debt to Income Ratio: A determinant of financial well-being arrived at by dividing monthly debt payments by income.
Debt Management: A service provided by an agency that provides debt help services, including credit counseling, debt settlement, and debt consolidation loans.
Debt Settlement: A program for negotiating consumer debt to the lowest level, typically with a low monthly payment, while avoiding bankruptcy.
Fair Isaac and Company: Fair Isaac is the company responsible for creating the FICO score. This three digit score is created using information from your credit report and ranges from 300-850. The major credit bureaus use this score in evaluating your credit.
Gross Salary: Total amount of money earned before taxes and other deductions are subtracted.
The Bills.com Blog
Browse through our different financial categories and find the answer to the specific question you have.
Average Mortgage Rates
| program | apr |
|---|---|
| 30 Yr Fixed | 4.54% |
| 15 Yr Fixed | 4.05% |
| 30 Yr Fixed Jumbo | 5.7% |
| 15 Yr Fixed Jumbo | 5.22% |
| 3/1 ARM | 3.56% |
| 5/1 ARM | 3.59% |
| 7/1 ARM | 3.82% |
| 10/1 ARM | 4.18% |
| 3/1 ARM (I/O) | 5.25% |
| 5/1 ARM (I/O) | 3.68% |
| 7/1 ARM (I/O) | 4.06% |
Debt Help Articles and Advice
Debt Relief Options
Review the ground-breaking report comparing your
debt relief options
including debt settlement and consumer credit counseling.
Debt Consolidation Overview
Before choosing a debt consolidation option, read our
debt consolidation overview
and make an informed decision.
Debt Relief
With so many options available, it is imperative you evaluate any
debt relief
providers you are contemplating using to ensure they measure up to their
industry's standards.
Collection Laws
Learn your rights and the rights of creditors in the Bills.com resource State Consumer Protection Laws and Exemptions.
Finding a Tax Attorney
A tax attorney specializes in all tax matters, including estate planning, IRS issues, and business taxes. Learn how to find one.
Gaining Financial Freedom
Financial freedom gives you the flexibility to pursue your dreams. Learn how to gain it.
Debt Settlement Facts
Debt settlement is a potential solution to serious debt, but it does have consequences. Learn more here.
Debt Management for Students
Learn debt management tools now so you're not overwhelmed with debt after college graduation.
Manage Your Tax Debt
If you find yourself saying, "Can I really escape my debt," find out how to do it with this simple escape my debt how-to guide.
Debt Negotiation and Settlement How-to
Learn about debt negotiation and settlement, and how you can make it work for you. Free advice and guidance.
Repaying Your Student Loan Debt
The simple fact is student loan debt repayment can't be permanently avoided, but there are several ways to take the sting out of the monthly bill.
How to Help Yourself Reduce Your Debt
It is possible to tackle your debt on your own without the need of debt help services. Here are the steps to reduce your debt on your own.
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