Daniel Cohen
Daniel Cohen has many years of experience in the financial services industry. Daniel has worked as a mortgage loan officer, a debt counselor, and as a tax consultant. He also owned a small business, manufacturing and distributing clothing, which gives him first-hand knowledge about the challenges of running a business. A common link in all his work experience is a devotion to customer satisfaction. When not working, Daniel enjoys hiking in the redwoods or attending live music shows.
Debt Settlement HistoryMay 14, 2024
In debt settlement, the debt settlement firms negotiate with creditors to reduce the actual principal balance of their clients' debts.
Pros and Cons of Debt SettlementMay 14, 2024
Debt settlement can get you out of debt faster and at a lower cost than other debt relief options, but review the pros and cons before deciding. If...
Debt Consolidation TipsMay 14, 2024
Get the debt consolidation tips to understand all of your debt relief options, including Debt Settlement, Credit Counseling, and Debt Consolidation Loans.
Consolidating Your DebtMay 14, 2024
Yes, you can consolidate your debt yourself. Follow this 6-step plan to retire your debts efficiently and at low cost. Learn your do-it-yourself options, includ
North Carolina Collection LawsMay 14, 2024
The statute of limitations for the collection of most consumer debts in North Carolina is three years. Wage garnishment is highly restricted but account levy...
Consumer Credit Counseling ServicesMay 14, 2024
Consumer Credit Counseling Services is the best solution for some people struggling with high-interest credit card debt. If you...
Ohio Collection LawsMay 14, 2024
Ohio collection laws are creditor-friendly and tought onc consumers. The statutes of limitations on debt are length and judgments can be renewed repeatedly. If
Pennsylvania Collection LawsMay 14, 2024
Learn the Pennsylvania rules for statute of limitations, wage garnishment, and bank levies. Wage garnishment is not allowed with two exceptions. Account levy...
Debt Consolidation ProgramsMay 14, 2024
Debt Consolidation Programs | There are many different debt consolidation programs. Each one works differently and affects you differently. Bills.com helps...
Social Security Overpaid MeMay 14, 2024
Social Security Overpayment | Review some common reasons for overpayment and the steps you need to take, if you were overpaid. Make sure that you start by...
Debt Relief ScamsMay 14, 2024
Debt Relief Scams | You may want to jump at the first debt relief solution that comes your way. But some solutions are scams. Learn how to avoid...
Credit Counseling ScamMay 14, 2024
Learn the pop 10 questions a person with debt should ask to avoid a consumer credit counseling scam, such as 'Does the company receive compensation from the...
Credit Card Counseling Services FAQMay 14, 2024
There are no negatives to the budgetary/financial review assistance that credit counselors supply, however, there may be a significant...
Bankruptcy LawsMay 14, 2024
Chapter 7, Chapter 11, and Chapter 7 are the three types of bankruptcy available to consumers and owners of small businesses.
Chapter 7 BankruptcyMay 14, 2024
To qualify for Chapter 7, the debtor may be an individual, a partnership, or a corporation or other business entity. Learn more about Chapter 7 Bankruptcy and w
Bankruptcy & Your Credit ScoreMay 14, 2024
Learn how bankruptcy affects your credit and what steps to take to repair your credit after your bankruptcy discharges. Make sure that you...
What is Debt Consolidation?May 14, 2024
Debt consolidation is the process of combining multiple exisiting debts into one new debt
Best Debt Consolidation CompaniesMay 14, 2024
Top 10 questions you need to ask each debt consolidation company to find the one best for you. Learn what the best debt consolidation companies have in common.
Free Financial Help from Bills.comMay 14, 2024
Free Financial Help | Get free financial help from Bills.com. Use our different tools and calculators to make better financial decisions. Ask a question by...
Dave Ramsey is WrongMay 14, 2024
A personal loan that saves you money, gets you out of debt faster, and puts you in a higher payment is, according to Dave Ramsey, never a good idea. We disagree
Evaluating Debt Management ProgramsMay 14, 2024
How do I know find the right debt management program and then find the right company to help me?
Christian Credit CounselingMay 14, 2024
Christian Credit Counseling firms provide the same help with your debt problems as other Credit Counseling firms. Results and fees are the same, so you need...
Types of DebtMay 14, 2024
There are different types of debt. The best way to get out of debt can vary depending on the type of debt you have: credit card, mortgage, persnal loans, tax...
Should I Choose a Non-Profit?May 14, 2024
Debt Consolidation Non-Profit | Learn how non-profit debt consolidation companies get paid and whether they are your best debt relief option. Make sure you...
California Wage Garnishment LimitsMay 14, 2024
California wage garnishment limits | Free tips and advice about California wage garnishment limits from bills.com
Illinois Garnishment Rules for Two JobsMay 14, 2024
Illinois garnishment rules are complex and favor judgment debtors.
Offer and AcceptanceMay 14, 2024
Offer and Acceptance | In general, a contract is an agreement a court will enforce. A contract is formed when there is an offer and acceptance. Learn about...
MRS AssociatesMay 14, 2024
MRS Associates is a collection agent. If MRS Associates calls or sends you a letter, take these 3 steps to protect yourself. First, validate the debt...
Zwicker & AssociatesMay 14, 2024
Zwicker & Associates is an aggressive debt collector. Three steps you should take to prevent Zwicker & Associates from suing you. To protect yourself, first...
BankruptcyMay 13, 2024
Bankruptcy | Bankruptcy is an option of last resort, but it can be a very effective way to eliminate debts, if you qualify. Review the ways that you can...
Consolidate My DebtMay 13, 2024
How can I consolidate my debt? Learn the secrets on how to resolve debts, lower payments and save when you consolidate debts.
Tips to Pay Off Holiday DebtMay 13, 2024
Find the best way to pay off holiday debt. Read tips from six top financial experts to take care of debt from the last holiday and avoid debt this year.
LPMIMay 10, 2024
LPMI | LPMI is not a free lunch -- homeowners pay for LPMI in higher interest. It is also a bad deal if you plan to own your home long enough to exceed 22% of e
Adding a Spouse to a MortgageMay 10, 2024
Free advice on what to do, if you want to add your spouse to your home mortgage loan
Mobile Home FinancingMay 10, 2024
Free tips on how to source the best mobile home loan.
Debt To Income Ratio TipsMay 10, 2024
Debt To Income Ratio | Debt To Income Ratio Tips and advice from bills.com. Review what you need to know about a DTI ratio.
Mortgage Insurance DeductionMay 10, 2024
The mortgage insurance deduction allows homeowners who itemize their deductions and pay MIP or PMI to deduct that amount from their income taxes.
Use 401k to Consolidate DebtMay 10, 2024
Your 401k can be a solution for consolidating credit card debt. Review the pros and cons of a 401K withdrawal and 401k loan, and compare them to alternatives.
Washington Collection LawsMay 10, 2024
Learn the statute of limitations for credit cards and other debts, Washington's anti-deficiency law, and how much is exempt in a wage garnishment or account...
Bad Credit Debt Consolidation LendersMay 10, 2024
Read customer reviews about bad credit debt consolidation lenders, such as Avant, One Main, LendingPoint and NetCredit or write your own review
Credit Card Debt ConsolidationMay 10, 2024
Understand how to find the right credit card debt consolidation option for your situation. Don't commit to a solution you can't see through. Make sure you...
Kentucky Collection LawsMay 10, 2024
Learn the statute of limitations for credit card and other debts in Kentucky, and the state's consumer unfriendly rules for account levy, liens and...
Debt CollectionMay 10, 2024
It's never fun to receive a phone call from a debt collector, especially one who's aggressive. Stay calm, follow these 7 steps, and you may be able to avoid...
How Long Will a Judgment LastMay 10, 2024
How Long Will a Judgment Last? | Get information on how long judgments last on your credit reports. Get credit smart at Bills.com
Where To Find a Consolidation LoanMay 10, 2024
Where to find a consolidation loan depends on your assets, goals, income, and credit score. You can find a consolidation loan from local and national banks...
Tax Debt & Chapter 7May 10, 2024
Free tips on IRS and state tax debts and filing for bankruptcy. Some IRS tax debts are eligible for including in a bankruptcy. Learn more at bills.com
Judgment ProofMay 10, 2024
Your creditor may consider you judgment proof if your assets are off-limits from its collections. Learn how to tell if you are judgment proof, but beware...
Consolidate Capital One Credit DebtMay 10, 2024
Find the the Capital One debt consolidation program that saves you the most money. Be sure to pay attention to protecting yourself from aggressive...
Debt Collector or Original CreditorMay 10, 2024
My account is with a collection agency, can I negotiate with my original creditor instead?
Consolidate American Express DebtMay 10, 2024
Review all your options for your American Express debt, whether it is debt consolidation, credit counseling, or debt settlement. AmEx is an aggressive...