Debt Articles

How to Consolidate Debt

If you understand the different ways how to consolidate debt, you will reduce your stress and more easily find the right way to get rid of debt.

Loans to Consolidate Debt

Consolidate Debt Loans | Save money each month or over the life of your loan by getting a loan to consolidate debt. Review the pros and cons and NEVER...

Debt Relief Counseling Tips

Interested in debt relief counseling? Review 10 questions you should ask a debt relief counselor, so you find the right debt relief approach and debt relief fir

Filing Bankruptcy

Learn about filing bankruptcy, what's involved, and what you should do if you've found yourself in this situation. Before you file, be sure that you...

How to Pay Off Debt Even in Collections

How to pay off debts even in collection | Learn your rights so a collector does not take advantage of you. Make sure you have to pay the debt and if so, then...

NY Statute of Limitations

The utility is within its rights in New York to refuse to do business with a former customer who has an outstanding balance on their account.

Forgiven Debt Income

Forgiven Debt Income on Unverified Debt | A creditor can send out a 1099-C, cancellation of debt form, which may cause a tax liability. If you can't validate...

Debt Reduction Help

Get debt reduction help, advice, and information from Bills.com - your source for savings money and getting out of debt.

Seize and Sell Florida Property

Seize a Sell Florida Property | A judgment-holder in Florida is legally allowed to seize property, though it may not actually do so. Florida law allows...s

Georgia Garnishment

Georgia Garnishment | If you have a judgement against you a creditor can get a wage garnishment in Georgia. If you wish to avoid a garnishment, then...

Kansas Spousal Liability for Debt

Spousal Liability for Debt in Kansas | If you always resided in Kansas or a non-community property state then you have no liability for the debt. However, if...

Debt Portfolio

Collection accounts are sold as pools or portfolios, and I know of no way for a collection agent (or anyone else) to purchase the collection accounts for a part

Negotiate Citibank Debt

debt, negotiation, debt collector, original creditor, debt settlement,

Negotiate American Express Debt

Each creditor has its own policies for settlement amounts. The rule of thumb for American Express is 50 cents on the dollar.

I Need to Consolidate my Debt

I Need to Consolidate my Debt | Learn how to choose the right debt consolidation option, based on your individual financial situation. Make sure you never...

California Debt Consolidation

You have several good options to resolve your unsecured debt, including debt settlement and credit card counseling. The federal government is sponsoring several

Fair Debt Collection Practices Act: Know Your Rights

The Fair Debt Collection Practices Act grants you rights as a consumer and restricts debt collectors' actions. Learn about verification, disputing debts, and...

Help with Debt Settlement

A lowered credit score and nerve-wracking telephone calls from collection agents are common for debtors in a debt settlement program. These will end as you work

Foreclosure Prevention

Lenders would prefer to avoid foreclose on mortgages because foreclosure offers a poor economic return, and only foreclose as a way of limiting losses on a defa

Collection Agency & Credit Report

Collection Agency & Credit Report | The creditor (the original creditor or the collection agent) must report settlement of the debt to the CRAs. Learn how to...

Nebraska Collections

I found no evidence that it is illegal to collect a debt less that $100 in Nebraska or report it to a credit reporting agency.

Can I Consolidate My Car Loan In A Debt Consolidation Program?

Can I include my car loan into a debt consolidation program? If so can I keep my car?

Advanta Debt

You may be able to negotiate the amount of debt you owe on your Advanta credit card with the third-party collection agency.

Interest on Judgment

I have a judgment against me and learned the creditor is charging me 10% interest. Is that legal? It depends on which state you reside in.

Will Co-signing On a Loan Hurt My Credit Score?

My boyfriend has terrible credit. Will it affect my credit if I co-sign a loan with him?

Should I Dispute A Collection Account?

Should I dispute a collection account if I know I owe the debt?

Too Much Debt

Are you struggling with too much debt? How do you know if you have too much debt? Learn about signs showing if you have too much debt and if so, how to deal...

Finding the Best Loan Consolidation Companies

Finding the Best Loan Consolidation Companies | After you determine that loan consolidation is a smart choice, take the right steps to find the best company...

Bankruptcy and Second Mortgage

If I file bankruptcy will that eliminate my second mortgage balance?

Served Summons & Complaint

If you are served a Summons and Complaint, it is crucial to respond the right way. Never ignore a summons, as it can lead to a default judgment. Be sure you...

Debt Management Plan

Debt Management Plan | Credit counseling and DMP is one form of debt relief. Learn the steps to take to make Your Debt Management Plan work. Start by...

Debt Reduction Plan

True debt reduction means lifelong freedom from debt. Learn how to reduce debt and expenses at Bills.com.

Debt Death

Responsibility for Debt after Death of Borrower | Some people assume a decedent's debt is forgiven or written off by creditors. The law doesn't work that way...

Debt Relief Boot Camp

Discover what bad credit debt relief solutions are available to you from Bills.com - your complete source for saving money.

Collecting 13-Year-Old Debt

A creditor failed to cash a check 13 years ago, and now wants me to re-issue it, which I cannot afford. What are my rights?

Consolidation Plus Review

Consolidation Plus is a unique unsecured loan program designed for consumers enrolled in certain debt settlement programs. Consumers with poor credit can...

Debt Settlement Companies

Debt Settlement Companies | Review how to find the best debt settlement companies in business. Learn what to avoid, so you don't get scammed. Never hire...

California Community Property

California Community Property Law and your spouse's debt. In California, creditors can reach your separate property, but the rules for premarital debt...

File Bankruptcy With No Money

You can file bankruptcy with no money, and even have bankruptcy filing fees waived if you have little or no income. Learn how to file bankruptcy at no cost by..

Bank of America debt options

Bank of America debt options | Review your different options for resolving Bank of America debt. Reduce what you owe or lower your interest rate. Start by...

Two Creditors Garnishing Wages at the Same Time

Get more information as to how wage garnishments work. If you are facing a creditor judgment, Bills.com can help you save.

Business Debt on Personal Credit Report

Read more about how a business debt can be reported on your personal credit profile. Get more information about debt collection practices at Bills.com

Judgment Garnishment

Judgment Garnishment | The most common method used by judgment creditors to enforce judgments is wage garnishment, in which a judgment creditor would contact...

Bankruptcy Alternatives

Staggered by debt but want to avoid bankruptcy? You have 4 alternatives, but like bankruptcy, each has positives & negatives. Learn the options to filing...

Debt Consolidation Scams

Debt Consolidation Rip-off | Read the tips you need to know to avoid getting ripped off by a debt consolidation company and find the right...

Credit Card Debt

Credit card debt | Get out of credit card debt for good with help from Bills.com. Find debt resources and information in one convenient place.

Collections Advice on Deficiency Judgment

A deficiency is like any other unsecured debt and as such is legally identical to credit card debt, medical debt, or a payday loan.

Prepaid Debit Card and Debt Collections

Can a creditor seize or garnish my prepaid debit card?

Default Payment

Default Payment | It is imperative that you show evidence to the attorney who filed suit against you to show you are current in your payments to the original...

Deceased Estate

Assuming the above, and assuming your spouse's prognosis is dire, neither you nor your spouse have an incentive to change the status quo regarding the property.