Debt Articles

Lower Payment

Lower payment | A lower payment on your monthly bills is possible, if you find the right debt resolution option. Free tips from bills.com to help you get out of

California Clerk Judgment

Clerk Judgment | California law allows a court clerk to enter a default judgment against the defendant without a court hearing or judicial action

Profit Sharing Plan Rollover

Profit Sharing | You will pay zero in penalties or taxes if you rollover your profit sharing plan into an Individual Retirement Arrangement (IRA)

Barred Debt

Under common law, the acknowledgment must be in writing and convey the idea the debtor promises to pay the debt. Not surprisingly, many state legislatures wrote

Debt Coach vs. Your Provider

Debt Coach uses industry averages for each debt resolution approach to arrive at its recommendations.

Bankruptcy Divorce and Underwater Home

Your ex-spouse filing for bankruptcy can affect you, if you left your ex on the title to the home. Review how bankruptcy and divorce can affect you, when your h

Phone Payment for Debt

If you allow a collection agent to make withdrawals from your bank account without having a signed contract in hand, how can you prove the collector took more t

Rollover into IRA

You will pay zero dollars in penalties or taxes if you rollover your retirement plan into an Individual Retirement Arrangement (IRA).

Summons for American Express Debt

American Express wants a resolution to your debt now. Negotiating a lump-sum settlement is a compromise that will clear the debt from American Express's books a

Collection of Written-Off Debt

If the original creditor writes-off the debt and issues a 1099-C, that means the original creditor has forgiven the debt and is claiming the loss on its taxes.

Business Line of Credit Debt Settlement

Business Line of Credit Debt Settlement | If you can't afford to pay your business line of credit look for debt relief options including debt settlement and...

Enforcing Out-of-State Judgment

Questions concerning enforcing judgments across state borders are difficult to answer with general, one-size-fits-all replies. The facts in each case are signif

Frozen Bank Account

Frozen account| An out-of-state judgment creditor can freeze an account only if it domesticates the judgment first.

New York Spousal Liability for Debt

New York Spousal Liability for Debt | Free tips about New York spousal liability for debt issues

Debt After Death

You have no personal liability for a deceased spouse's debt if you reside in a common law state. However, the law is more complicated if you reside in a...

Debt Settlement Help

Debt settlement help | Debt settlement help may be the best way to get out debt. Choose a debt settlement firm that follows FTC rules that prohibit upfront...

Vermont Collection Laws

In Vermont, the statute of limitations for open accounts (credit cards) is three years, and written contracts have a statute of limitations of six years.

Citibank Hardship Program

Citibank Hardship Program | If you are having problems paying back your credit card debt, then speak to your bank. Citibank has a hardship program, but you...

Discharge and HELOC

Bankruptcy Discharge and HELOC | Ask an attorney what to do about the HELOC and see if it can be discharged in your bankruptcy. If you chose to do a lump-sum...

Spousal Support and Credit Card Debt

Spousal Support and Credit Card Debt | Changes in spousal support payments should be authorized by the courts. Unilateral action by the one party can cause...

Target Visa

Target National Bank may increase your interest rate to the default rate if you ever charge over your credit limit or miss your payment due date.

Sell Timeshare

Sell timeshare | Selling a timeshare is difficult. Prices are low and it is a buyer's market. Free tips on how to sell your timeshare from bills.com.

Get It In Writing

It is unwise to believe the promises of a negotiator who refuses to put a settlement agreement in writing. Our advice? Get it in writing!

Old Judgment Collection

A creditor is garnishing my wages for a debt that is 10+ years old. How is this possible?

Northstar Location Services

Northstar Location Services is a collection agent. Take these steps if Northstar contacts you or the company's name appears on your credit report. Step 1 is...

Bill Consolidation

Bill consolidation simplifies your bill-paying, helps you pay off debt quicker, and saves money. Choose a debt consolidation loan or other ways to...

Debt Negotiation

Debt negotiation is a solution for people in a hardship. Carefully look at your situation and debt relief options. Choose between a do-it-yourself approach...

Find Attorney

Find Attorney | Ask your friends and family if they have any recommendations. Learn about some of the key questions to ask an attorney before hiring, and ...

Domino Strategy

The domino strategy retires debt at the lowest cost in interest. It is also effective because it tends to build a person's credit score. I think your plan is so

Bankruptcy, Reaffirmation, & Short Sale

If a debtor never reaffirmed a mortgage, then he or she has no personal liability for the mortgage. Therefore, a short sale is unnecessary to avoid liability fo

Requesting a Deficiency Balance Statement

When my car gets repossessed, auctioned, and sold can I get a statement telling me how much it was sold for and what I owe?

Foreclosure and Bankruptcy

Foreclosure and Chapter 7 Bankruptcy | Look for alternatives to foreclosure, such as a deed in lieu of foreclosure. Before looking to bankruptcy, consult with..

How to Handle a Debt Collection Call from Avante USA 2023 | Bills.com

Avante USA is a collection agency that aggressively works with third-party and original owners of the debt. Protect yourself by taking these steps...

Debt Advice

Debt Advice comes in handy when you are looking for a loan, mortgage or credit. It helps to have a good plan and follow professional advice to get out of debt..

California Statute of Limitations

California Statute of Limitations | California statute of limitations for debt related to a written contract is four years, and an oral contract is two years...

Debt Payoff Strategies

There are different strategies for paying off debt. In order to manage your debt review your financial situation and then check out the best way to deal with..

Credit Consolidation Services

You have many credit consolidation services companies to chose from and it is important you research your options. The tips and solutions we shared here can...

Credit Card Consolidation Companies

Credit Card Consolidation Companies | Find the best credit card consolidation company for your specific needs. To save the most money, make sure that you...

Consolidate Wells Fargo Credit Debt

Before choosing a Wells Fargo debt consolidation program, look at all your options. Think about what saves you the most money and what will protect you from...

Buy a Car vs. Pay-off Credit Card

A newer car would be nice, but it makes more sense economically to apply the amount you would be paying for a new car to retire the credit card debt.

How to Get Debt Collectors to Stop Calling

How to Get Debt Collectors to Stop Calling? Learn how to write a cease-and-desist letter to stop calls from debt collectors. Also, learn how to complain if...

Real Time Resolutions: How to Deal with Collections | Bills.com

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...

How to Handle a Debt Collection Call from Rausch Sturm 2023 | Bills.com

Rausch Sturm is a collection agency that collects debts for financial institutions and creditors. If they contact you, take these steps to protect...

Portfolio Recovery Associates - Deal with collections | Bills.com

Portfolio Recovery Associates is a large collection agent. Take these three steps when Portfolio Recovery Associates calls you to collect a debt. First...

Nationwide Credit Inc: Dealing with Collection Calls | Bills.com

Nationwide Credit Inc is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...

Community Property Debt

Community Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...

ARS National Services - Dealing with Collection Calls | Bills.com

ARS National Services is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...

Unsecured Debt Consolidation Loan

Use an unsecured debt consolidation loan to pay off personal debt, medical bills, and credit card debt. The loan simplifies your payment schedule and helps...

Should I Settle or Enter CCCS Program

Learn about the pros and cons of Consumer Credit Counseling Service (CCCS) when compared with a debt settlement program, all at Bills.com

2018 Starts with Higher Debt Level

The amount of household debt in the US is increasing. While there is no conformity across states, debt levels are rising, especially student loans and auto loan