Betsalel Cohen
Passionate about helping people improve their finances. Worked in mortgage banking, private banking, and personal financial coaching. When he is not working, he loves running and spending time with his family.
Chapter 7 Bankruptcy DischargeJan 31, 2026
A Chapter 7 discharge eliminates eligible debts like credit cards and medical bills. Learn what gets discharged, the timeline, and what happens after.
How to File Chapter 7 BankruptcyJan 31, 2026
Learn how to file Chapter 7 bankruptcy in 7 steps, including costs, timeline, forms, and common mistakes. Options for fee waivers are included.
How to Negotiate DebtJan 29, 2026
Learn how to negotiate debt with creditors or collectors yourself. Get step-by-step guidance, realistic offer amounts, and understand the risks before you call.
How to Negotiate Credit Card Debt Jan 28, 2026
Negotiate with your credit card company for lower rates, reduced payments, or settlement. Scripts, examples, and what to watch out for.
Debt Settlement Letter: Templates & How to Write OneDeJan 28, 2026
Learn how to write a debt settlement letter with free templates. See how one person settled $6,400 for $2,500 and get step-by-step guidance.
Debt Management Plan DownsidesJan 28, 2026
A debt management plan could lower interest rates, but it won't reduce your balance, requires closing credit cards, and may be hard to afford. Learn the tradeoffs.
How to Negotiate Medical BillsJan 28, 2026
Medical bills are negotiable—but only after you've verified they're accurate. Request an itemized bill, compare it...
Government Debt ReliefJan 28, 2026
Government debt relief programs are limited, but options exist. The Government also helps protect you against debt collectors. There are non-government programs...
5 Common Debt Negotiation Mistakes to AvoidJan 28, 2026
Description: Avoid the most common debt negotiation mistakes. Learn what to say, when to pause, and how to get agreements in writing before you call creditors.
Debt Settlement AgreementJan 27, 2026
Learn what a debt settlement agreement includes, how to review it safely, and what to check before signing. Protect yourself with this step-by-step guide.
Citibank Hardship ProgramJan 11, 2026
Learn how Citibank hardship programs work, who qualifies, what relief they offer, and alternatives if you can’t afford payments.
Negotiate Citibank DebtJan 11, 2026
Struggling with Citibank credit card payments? Learn how negotiation works at each stage so you can choose your next step with confidence.
10 Tips to Negotiate Your DebtJan 10, 2026
Get practical tips for negotiating debt with creditors and collectors. Learn what to say, when to call, and how to get agreements in writing.
Charge Offs & SettlementJan 7, 2026
Learn how to settle a charged-off debt, how the process works, how much you might pay, and what changes once a creditor charges off and transfers the account.
Debt NegotiatorsJan 7, 2026
You can negotiate debt repayment on your own, or hire a professional. Learn more about debt negotiators and when hiring one might be a good idea.
What It Means to Be Judgment Proof—and What to Do If SuedJan 7, 2026
Learn what it means to be judgment proof, how to tell if it applies to you, and what steps to take if a creditor sues you—even if they can't collect.
Charge Off vs. Collection: The Real Difference and What to Do NextJan 7, 2026
Charge-offs and collections aren't the same thing. Learn the key difference, how each affects your credit, and what to do next.
Charge Off: Meaning, Timeline, and What It Means for Your DebtJan 7, 2026
Learn what a charge off is, how it affects your credit, whether you still owe the debt, and what steps you can take to respond and move forward.
How to Handle American Express Collections and AMEX DebtJan 7, 2026
Behind on your AMEX payments? Learn how American Express handles collections, what to expect from Nationwide Credit, and how to settle your debt.
Freedom Debt Relief Review February 2026Feb 1, 2026
Freedom Debt Relief is a leading debt settlement company that negotiates debt reduction with your creditors. Learn how to qualify and how their program...
Real Time Resolutions: How to Deal with Collections | Bills.comMay 7, 2025
Real Time Resolutions is a mid-size debt collection agency that services debt and mortgages. They also buy debt. If you were contacted by RST avoid making...
Debt Management | Deal with Your DebtSep 30, 2024
Debt Management | Many of us have debt problems. Some of us can solve go it alone, while others need professional debt services. Learn the steps to take...
Credit Card Consolidation and Your Credit ScoreSep 20, 2024
Your credit score makes a difference when searching for a credit card debt consolidation program. Even if you don't have an excellent score you can...
How to Handle a Debt Collection Call from Convergent Outsourcing 2026 | Bills.comJan 1, 2026
Convergent Outsourcing is a major debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
How to Consolidate Bad Credit DebtSep 20, 2024
How can you consolidate debt if you have bad credit? Is a bad credit personal loan a good idea? Learn the steps to take to consolidate your debt with...
Javitch Block: Dealing with Debt Collection 2026 | Bills.comJan 1, 2026
Javitch Block is a law firm specializing in debt collection and insurance loss recovery. If they call or contact you take these steps to protect...
Credit Card Assignment and Credit Card ConsolidationSep 20, 2024
Credit Card Assignment | In most cases your credit card can be assigned to a third party. In addition, creditors can use collection agencies. Deal with...
Citibank Sears MasterCard SettlementSep 20, 2024
Citibank Sears MasterCard Settlement | Look into your different debt relief options including a Credit Counseling and Debt Management Plan. Check out the...
Debt Management AdviceSep 20, 2024
Focus your efforts on the accounts that are reported to the three credit reporting agencies. If all of your debts appear on your credit reports, then consider a
How to Handle a Debt Collection Call from Client Services, Inc. 2026 | Bills.comJan 1, 2026
Client Services, Inc. (CSI) is a collection agency that works with third-party and original owners of the debt. Protect yourself by taking these steps...
Credit Control LLC - Deal with collection calls | Bills.comSep 20, 2024
Credit Control LLC is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...
Credit Corp Solutions: How to deal with collectionsSep 20, 2024
Credit Corp Solutions is a collection agency that purchases and collects consumer debt. Learn to deal with collection calls. Verify the debt, stop harassment...
Glass Mountain Capital: Dealing with Collection Calls | Bills.comSep 20, 2024
Glass Mountain Capital is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...
Glasser and Glasser: Dealing with Debt Collection | Bills.comSep 20, 2024
Glasser and Glasser is a law firm with a department that specializes in debt collection. If they contact you take these steps to...
Gurstel Law Firm: Dealing with Debt Collection 2026 | Bills.comJan 1, 2026
Gurstel is a law firm that acts as a debt collector for creditors in nine states. If they appear on your credit report or contact you, take these steps to...
National Enterprise Systems: Deal with collections 2026 | Bills.comJan 1, 2026
National Enterprise Systems is a large debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
Radius Global Solutions: Handling a collection call | Bills.comSep 20, 2024
Radius Global Solutions is a major debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
Weltman Weinberg & Reis - Dealing with collections | Bills.comSep 20, 2024
Weltman Weinberg & Reis Co., LPA is a real debt collection agency that operates across the US. If they appear on your credit report or contact you, take...
Why Did My Score Drop After Paying A Collection Account?Sep 20, 2024
Credit Score and Paying a Collection Account | In the long run, paying off a collection account will help your credit score. However, it can have a...
Credit Card Lawsuit in PennsylvaniaSep 20, 2024
A reader who had a lawsuit filed against her in Pennsylvania needs to know what the creditor can do if it obtains a judgment.
Best Debt Consolidation Loan for February 2026Feb 1, 2026
A debt consolidation loan combines multiple debts into one payment. A loan can help simplify finances, save money and pay off your debt. Compare top lenders...
Chapter 13 and Short SaleSep 20, 2024
Chapter 13 and Short Sale | Before you do a short sale speak to your bankruptcy attorney about your options including converting to a Chapter 7, negotiating...
Velocity Investments LLC: Dealing with Debt Collection| Bills.comSep 20, 2024
Velocity Investments LLC is a debt collection agency that buys debt and handles original and third-party creditors. If they contact you or appear on your...
5 Ways to Consolidate Credit Card DebtSep 20, 2024
Credit card consolidation combines some or all of your debt into one monthly payment. Find the best way to consolidate credit debt, including a personal loan...
Debt Consolidation Loans with Bad Credit February 2026: Rates, Reviews & OptionsFeb 1, 2026
Is a debt consolidation loan for bad credit a viable option? Learn how the loan works, how your credit affects your rates, and which lenders offer bad credit…
Capital Management Services - Deal with collections | Bills.comSep 20, 2024
Capital Management Services is a legitimate debt collection agency. If they appear on your credit report or called or contacted you, then follow these steps...
13 Money Saving TipsSep 20, 2024
13 Money Saving Tips | Simple ways to put more money in your pocket each month and watch your savings grow over time. The most important step is to start...
How to Handle a Debt Collection Call from Cavalry Portfolio Services 2026 | Bills.comJan 1, 2026
Cavalry Portfolio Services is a major debt collector. If they appear on your credit report, or they called or contacted you, then take these steps to...
NCB Management: Handling Debt Collection Call 2026 | Bills.comJan 1, 2026
NCB Management is a major debt collection agency that buys debt and handles original and third-party creditors. If they contact you or appear on your...
Debt Snowball - Pay Off DebtSep 20, 2024
Snowball Debt Calculator | Are you looking for the right way to pay off your debt? Use Bill.com's Optimize Payment Calculator to save money and pay off ...