Debt Articles

Credit Score Medical Debt

Medical debt can harm your credit score, but only if the debt is so delinquent it lands in the hands of a collection agent. Take steps to avoid collections...

$60K in Debt

I have a small trucking company and have acquired $60,000 in credit card debt.Is there a loan I can get now to minimize the interest rates without hurting my cr

Indiana Collection Laws

Learn the statute of limitations for credit card and other debts, and what amount is exempt from an account levy in Indiana. The first $350...

Community Health Systems Financial Assistance Program

Community Health Systems (CHS)'s 135 hospitals and care centers offer charity and discount programs for low-income people. Talk to a financial counselor in...

Deficiency Balance on Car Repossession

My car was repossessed and now I owe $9,600 in a deficiency balance I can't afford. Is bankruptcy an option?

South Carolina Collection Laws

Learn the statute of limitations for credit card and other debts in Colorado, and the state's tough rules for wage garnishment and account levy...

Common Non-Law and Debt

If I pay an amount on my credit card every month (it is currently 45 days late), can its collections department still call me about the debt?

Borrower Liability after Vehicle Repossession

Borrower Liability after Vehicle Repossession | Because deficiency balances on automobile loans can cause a significant financial hardship and have a strong...

Tennessee Collection Laws

Learn the statute of limitations for credit card and other debts, and how Tennessee wage and account garnishment exemptions can shield your assets from...

Oklahoma Collection Laws

Oklahoma collection laws are consumer friendly. Learn the statutes of limitations and the standards of proof collection agents must reach to sue a consumer...

Pensions and Credit Card Debt

The laws covering what funds are protected against the collection actions of creditors vary from state to state, learn more at Bills.com

Michigan Collection Laws

Learn Michigan Michigan Collection Laws, including the Michigan statute of limitations for credit card and other debts, and how your can stop a wage...

Various Types of Debt Consolidation Loans for Bad Credit

There are different types of bad credit debt consolidation loans. If you have bad credit and various types of debt, such as mortgage, credit card, or student...

Collections on Old Debt

How common is it for an automobile to be levied and sold for an unrelated debt? Also, what is a reasonable settlement for $16,000 debt?

Will the TARP Help me with 100K in Debt?

There is nothing currently in the Troubled Assets Relief Program (TARP) to directly assist consumers with rent payments.

Rolling Jubilee

Collection accounts are bought and sold for pennies on the dollar. An off-shoot of the Occupy movement is raising money to buy & forgive consumer debt...

Can't Pay Debts

Sometimes filing for bankruptcy may be your only option to deal with debts you can't pay, read more at Bills.com

Secured Debt

A secured loan is where an object of value is pledged as collateral if the borrower fails to repay the loan. A lender can repossess or foreclose when...

Right of Reinstatement on Vehicle Loan

Right of Reinstatement on a Vehicle Loan | Some states allow a person whose car was repossessed to reinstate their loan, if they can catch up on...

Trapped By Debt

Feel trapped by debt? Learn the four options to free yourself from debt that's dragging you down. Start by looking at what you can afford to pay, then look...

Colorado Lien For Credit Card Debt

In Colorado, which is a common law family law state, a creditor may not sue both spouses for one spouse's unpaid debts. Jointly held assets...

Comenity Credit Card Debt

Comenity Bank issues credit cards for 100+ major retailers, like Abecrombie & Fitch and Victoria's Secret. If you can't make your payments, be sure you...

How to Cancel Automatic ACH Payments

I have a dispute with a vendor that is debiting my account. If I close that account and open a new one, will the payments stop?

Garnished Without Notice

I was told by my employer they received an order to garnish my wages. I was completely unaware of this. Is there anyway to get a garnishment removed from your c

Consolidate Debt & Credit

Consolidate debt to save money. Review these important quick tips before you choose a consolidation option, so you find the right solution for your specific...

Tips When Your Spouse has Debt

Finding out your spouse has debt can create financial and marital stress. Take the right steps and you can work your way out of the crisis, provided you both

Nevada Collection Laws

Under Nevada collection law, the statute of limitations is 6 years. Credit cards have a 4-year statute of limitations in some cases and courts. Wage...

Bare Collection Account

If a collection agent cannot validate/verify the debt, collection activity on that debt must cease. Additionally, that debt that cannot be reported to the credi

How to Settle with Creditors

Get tips on how to deal with creditors in order to settle your old debt. More tips are available at Bills.com

Co-Signer Rights on House or Car

What rights does a co-signer have? Learn about co-signer rights to property and what rights a co-signer have on a car.

Wage Garnishment on Account of a Repossession Balance

Learn how to deal with repossession deficiency balances so that you can avoid wage garnishment. Learn more at Bills.com

Negotiating Debt

Negotiating Debt | Free tips on how to save money when resolving your unsecured debt. Learn the tactics you need to use to settle your debt. Start by...

Balance on Voluntary Repossession

Learn about your options in case you owe a balance on your voluntary repossession at Bills.com. Find free resources to help you save.

Liable For Deceased Spouse's Debts?

You may or may not be responsible for your deceased spouse's debts depending on which state you reside in. In community property states, you may have...

Credit Cards and Community Property Law

Learn about community property law when it pertains to credit card debt collection. Read more at Bills.com you one stop resource for personal finance help.

CCCS History

Consumers who enroll into a CCCS Debt Management Plan (DMP) are usually granted a reduced interest rate, called a concession rate which is set by the lender

Debt

Debt can often be a useful tool it can also pose a significant hurdle. If you've ever borrowed money, you've taken on debt, Use this guide to learn more...

Fake Debt Collector

Fake Debt Collector | Just because a voice on the telephone claims you owe a debt does not mean you owe it. Take these 4 steps when a collection agent calls...

Drop in Income During Chapter 13

Information on available recourses if you are experiencing a drop in income during a Chapter 13 bankruptcy filing. Bills.com has more free resources to help yo

GI Loan Default

Get information on recourse options available to creditors of GI loans in default. Learn more at Bills.com

Charge Off

A charge-off will appear on your credit report and harm your credit score. If an account is charged off, you still have an obligation to pay the debt.

Delray Credit Counseling

Delray Credit Counseling overview.

Collection Efforts Authorized User

Collection companies can be unscrupulous in their efforts, learn about your rights as an authorized user in this article on Bills.com

What Are My Debt Resolution Options

The pros and cons of each debt resolution or debt consolidation option and how will each affect a credit report.

Liable for My Deceased Wife's Debts?

When a person dies, his or her debts do not disappear automatically. However, the family is not responsible for the debts. Learn the process to handle a decease

Consolidate Debt

If you entered consoladate debt, you probably meant consolidate debt. Learn more about debt consolidation options at Bills.com.

Ayuda de la reduccion de deuda

Ayuda de la reduccion de deuda | Aviso gratis en como resolver sus deudas sin tener que...

Georgia Collection Laws

Learn about Georgia collection laws | Georgia collection laws are different than in other states. In Georgia, the most common method used by judgment-creditors

Credit Reference Being Harassed by Creditor

If a borrower fails to repay a debt, the creditor is allowed to contact third parties, such as credit references. Get more information on collector calls and h

Debt Validation

Debt Validation | If the debt collector has a bare account and the consumer seeks a debt validation, the collector has no means to validate the bare account...