Nine Days, Six ApplicationsAug 1, 2026
Carla applied to six lenders in nine days. Unlike a car or home loan, the inquiries didn't merge, and the rate she got may show it.
What the Lender Actually NeedsAug 1, 2026
Joaquin's loan stalled, and he blamed his credit. The real snag may be how lenders read a freelancer's income on paper.
Maxed at the Wrong MomentAug 1, 2026
The Delgados charged $4,200 they meant to pay off in weeks, then applied. A 700 score read as 640, and the rate followed it for four years.
Short and Steep, or Long and EasyAug 1, 2026
Aaliyah can take the $10,000 loan over 3 years or 5. The shorter term saves about $1,500; the longer one frees $109 a month she needs now.
Consolidation Isn't ErasureAug 1, 2026
Greg consolidated $18,000 into one easy payment and felt lighter. Months later the balance hadn't moved, and the cards had quietly refilled.
The Reason They Don't VolunteerAug 1, 2026
Bianca's loan was denied with no explanation. What she didn't know: a lender must name the specific reasons, and the report behind them is free.
It Was Never the ScoreAug 1, 2026
Lena has a 710 score and a solid income, and the loan was still declined. The number the lender watched may not be the one she expected.
The Rate He Didn't ShopAug 1, 2026
Walt took the first personal loan that approved him. Fourteen months in, he learns the same week could have cost him roughly half.
Six Months In, Still a RiskAug 1, 2026
Sahil's salary jumped, but six months at the job made lenders wary. The number wasn't the question; how long he'd been earning it was.
Secured Looked CheaperJul 30, 2026
A secured loan's rate is often lower, because if you don't repay it, the lender can take the collateral securing the loan. Learn more about secured loans here.
When Every Loan Costs: Fixing the Car on Bad CreditJul 30, 2026
A single mom needs $1,800 to fix her car and her credit is under 580. Every way to borrow has a price. Here's what that bind may look like.
Her Name on My LoanJul 29, 2026
A co-signer could help you get a lower rate on a personal loan, but they'll shoulder the same risk as you. Find out more about personal loan co-signing here.
Two Prices for the Same RiskJul 29, 2026
He tried to consolidate two cards with a loan or a line. With a damaged score, both came back priced above the cards, and the one cheaper rate was locked behind a co-signer.
More Than I NeededJul 29, 2026
A too-big personal loan means a too-big payment—even with a good rate. Learn more about personal loan principal here.
The Eight That Wasn't FifteenJul 29, 2026
If you can't borrow enough to meet your needs, the methods to get the rest of the cash can expensive. Find out more here.
The Loan That Kept Saying NoJul 29, 2026
Your income is only half the story for getting approved for a loan. Learn why credit history matters here.
She Settled the Debt. Then Came the Tax Question.Jul 28, 2026
Renata settled her first account and saw $3,200 forgiven. Then a friend mentioned taxes. Two accounts left, a question with no clean answer.
The Rate Was Never FixedJul 28, 2026
Daniel opened his first line of credit for flexibility. A while on, the same balance cost more, because the rate was variable and he had not understood what that meant.
The Line She Could Always Draw OnJul 28, 2026
She chose a flexible line of credit over a fixed loan to open her studio. Years on, the balance has barely moved and the payment may never end.
Borrow for the Dental Quote or for What She Can’t See YetJul 28, 2026
A renter must finance dental work that could cost far more once surgery starts. A fixed loan, or a line of credit she draws as needed?
She Stopped Paying. Now: Hire Someone or Do It Herself?Jul 28, 2026
Priya has $35,200 in debt and two months of stopped payments. A settlement company would take around 25% of what she owes. DIY costs nothing — but is she...
Still Current on Payments — Two Options at a Glance.Jul 7, 2026
Marcus has $28,400 in maxed credit cards and hasn't missed a payment. Now he's wondering if staying current is the wrong move.
Can a Teacher Qualify for Chapter 7 Bankruptcy?Feb 25, 2026
Marcus, a 34-year-old teacher earning $58K, has $127K in debt. Can he qualify for Chapter 7 bankruptcy? See how the means test works with real numbers.
Connecticut Collection LawsSep 20, 2024
Learn the statutes of limitations for Connecticut, and the length of time a lien lasts when attached to personal or real property. Credit cards have a 3-year...
Payday Loan LawsSep 20, 2024
Learn how your state protects consumers who have payday loans, and the loan and interest limits for each state. Beware, some payday loan laws are tricky...
Credit Card Debt and SSI IncomeSep 20, 2024
Credit Card Debt and Disability Income | Disability income has certain protections from garnishments that normal income does not have. If you are sued...
Voluntary RepossessionSep 20, 2024
Get all the information you need about voluntary repossession, be it a vehicle or a home that you considering for voluntary repo.
Consolidate Personal LoansSep 20, 2024
Debts dragging you down? Get the answer to questions like 'Can I consolidate my car and personal loans?' at Bills.com.
Negotiating with Your CreditorsSep 20, 2024
Learn key methods to negotiating with your creditors
Two Accounts Billed As OneSep 20, 2024
I have two separate utility accounts that are being billed as one, can they do that?
Credit Card Relief Sep 19, 2024
True credit card relief is the result of learning to manage spending and use credit cards wisely. Learn both at Bills.com.
California Community PropertySep 19, 2024
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 MoneySep 19, 2024
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..
Two Creditors Garnishing Wages at the Same TimeSep 19, 2024
Get more information as to how wage garnishments work. If you are facing a creditor judgment, Bills.com can help you save.
TERI Student Loan & Debt SettlementSep 19, 2024
Student loan providers can be more difficult than other creditors when it comes to negotiating settlements, possibly because...
Divorce and DebtSep 19, 2024
It is important to divide assets and liabilities, and make certain to update your credit report record (particularly if there are jointly held accounts) after t
Louisiana Community PropertySep 19, 2024
Louisiana Community Property Law and your spouse's debt. Louisiana classifies debts as separate and community. In many cases, creditors can collect...
Loans and DivorceSep 18, 2024
Creditors will not accept a divorce settlement as legally binding upon them, and they will pursue the co-signatories if the primary borrower defaults.
Texas Community PropertySep 18, 2024
Texas Community Property Law and your spouse's debt. In Texas, creditors must follow a 4-step process to determine if they can collect from the non-debtor...
California Payday LoanSep 18, 2024
Payday loans | Learn about the payday loan regulations. Understand what happens in California when you put a stop payment to a check that you gave to a payday l
Attorney Collection and HarassmentSep 18, 2024
If you are facing collection from an Attorney or a law firm is threatening you, see what your options are.
Arizona Community PropertySep 18, 2024
Arizona Community Property Law and your spouse's debt. In Arizona, creditors cannot touch your community property for premarital debt. However...
Voluntary Repossession and Deficiency BalancesSep 18, 2024
Voluntary Repossession and Deficiency Balances | Bills.com co-CEO, Brad Stroh discusses voluntary repossession and deficiency balances and how to deal with...
Nevada Community PropertySep 18, 2024
Nevada Community Property Law and your spouse's debt. In Nevada, creditors must have signatures from both spouses to collect the debt from the...
Wisconsin Community PropertySep 18, 2024
Wisconsin Community Property Law and your spouse's debt. Wisconsin liability law is tricky. Courts must first classify a debt, and then determine if...
Bankruptcy & Charge OffSep 18, 2024
Learn more about Bankruptcy and Credit Card Charge Offs, Bills.com has your answers.
CaliforniaSep 18, 2024
Learn more about California statute of limitations, collection Law, payday loans & bankruptcy limits
Arizona Collection LawsSep 17, 2024
In Arizona, the statute of limitations for oral contracts is 3 years, and written contracts and credit cards is 6 years. Arizona is a...
Free Debt HelpSep 17, 2024
Get free debt help and advice on how to tackle your debt and get your finances back in order from Bills.com - the most valued name in debt help.
Getting Harassed by Bill CollectorSep 17, 2024
See what recourses that may be available to you if you are getting harassed by a bill collector. Learn more about collection accounts at Bills.com