Debt Articles

Debt Consolidation Loan Calculator

Daniel CohenMarch 25, 2015

The Bills.com cash-out refinance calculator helps you determine if using equity in your home to consolidate debt is a good decision. Be sure that you...

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Debt Reduction Scam?

Daniel CohenFebruary 28, 2011

When it comes to debt settlement providers, there are good players and bad players, the way there are in any industry. It is important to do your research so yo

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Debt Relief

Aly J. YaleMay 4, 2022

Debt Relief includes different solutions to pay off, reduce, and eventually eliminate debt more effectively. Learn about debt relief and how it works so that...

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Debt Help

Aly J. YaleMay 4, 2022

Debt Help starts at home. Know your finances, learn your debt relief options and take advantage of Bills.com Debt Help tool, the Debt Navigator, and get on...

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Debt Management

Aly J. YaleMay 3, 2022

Learn how to manage your debt and become debt free. Find free debt help resources, tools, and more -- all at Bills.com! Save money by...

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Collection Laws & Exemptions

Aly J. YaleMay 3, 2022

Collection laws and exemptions vary from state to state. Protect yourself and your assets by learning the homestead, vehicle, and bank account exemptions...

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Debt Snowball to Pay Off Debt: How Does it Work?

Aly J. YaleMay 3, 2022

Debt snowball is a technique to help you pay off your debt quicker. Instead of making minimum payments, you make fixed payments and use the extra amount to...

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Offer and Acceptance

Daniel CohenNovember 24, 2010

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...

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Florida Judgment

Bills.com TeamNovember 24, 2010

Excluding child support, creditors cannot touch Social Security and pension benefits if they are deposited into an account that is not intermingled with funds f

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Business Credit Card Liability

Betsalel CohenNovember 29, 2010

Business Credit Card Liability | A corporate officer's responsibility varies. If your name was on the account for the sake of convenience and you didn't sign...

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Frozen Bank Account

Mark CappelDecember 15, 2010

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

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Chapter 13 and Short Sale

Betsalel CohenDecember 16, 2010

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...

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Debt After Death

Mark CappelJanuary 17, 2011

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...

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Equifax Debt Wise

Daniel CohenJanuary 5, 2011

Equifax Debt Wise | Equifax Debt Wise is designed to help consumers get out debt more quickly and save money. Read a review about the program at bills.com

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Lower Payment

Daniel CohenFebruary 3, 2011

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

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Profit Sharing Plan Rollover

Daniel CohenFebruary 16, 2011

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

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Phone Payment for Debt

Daniel CohenApril 18, 2011

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

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Rollover into IRA

Daniel CohenMay 3, 2011

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

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Questions to Ask Debt Consolidation Lawyers

Betsalel CohenDecember 18, 2016

Debt Consolidation Lawyers | Debt is a financial issue. However, if you have debt problems, considering bankruptcy or facing lawsuits, then learn questions...

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How to Pay Off Debt Even in Collections

Betsalel CohenMarch 25, 2012

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...

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Credit Card Complaints - CFPB

Betsalel CohenFebruary 9, 2012

Credit Card Complaints | The CFPB not only educates the consumer about credit card but also accepts complaints and follows through with...

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Responsible for Spouse's Debt?

Bills.com TeamJune 25, 2014

You may be held responsible for a spouse's debt depending on your state's law, the debt type, when the debt was incurred, and any pre-nuptial agreement...

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Unable to Validate Debt

Mark CappelMay 18, 2010

Under the FDCPA, if a creditor cannot verify a debt it may not collect the debt, contact the debtor about the debt, or report it to the credit reporting agencie

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Payday Loan and the FDCPA

Mark CappelAugust 5, 2009

A debt collector for a payday loan company says they are not subject to the Fair Debt Collection Practices Act (FDCPA). I am honestly a little confused and a li

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Liable for My Deceased Wife's Debts?

Mark CappelAugust 12, 2014

When a person dies, his or her debts do not disappear automatically. However, the family is not responsible for the debts. Learn the process to handle a decease

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Cancellation of Debt Income

Bills.com TeamFebruary 12, 2014

Cancellation of debt income can result in a tax obligation. You may have the ability to reduce or eliminate the payment by completing IRS Form 982 and...

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Liable For Deceased Spouse's Debts?

Mark CappelNovember 19, 2009

You may or may not be responsible for your deceased spouse's debts depending on which state you reside in. In community property states, you may have...

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Charge Off

Mark CappelMay 27, 2014

A charge-off will appear on your credit report and harm your credit score. If an account is charged off, you still have an obligation to pay the debt.

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Marriage and Debt Payments

Daniel CohenAugust 12, 2014

Learn about community property law and how it relates to marriage and debt payments. Bills.com has answers to all of your personal finance questions.

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Lien

Mark CappelNovember 5, 2012

What a lien means and how to free yourself from a lien. There are three types of liens: tax liens, mechanics liens, and judgment liens. To resolve a lien...

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Bank of America debt options

Mark CappelNovember 7, 2008

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...

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Garnish My Pension?

Mark CappelMarch 27, 2014

Can your pension be garnished? Pensions, like Social Security and other forms of retirement income, are exempt from garnishment for most debts. However...

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California Payday Loan

Bills.com TeamMay 21, 2009

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

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Business Debt on Personal Credit Report

Daniel CohenJanuary 22, 2008

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

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Voluntary Vehicle Repossession

Daniel CohenFebruary 1, 2008

Learn all about voluntary vehicle repossession and its effects on your credit. Learn more at Bills.com

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Two Creditors Garnishing Wages at the Same Time

Bills.com TeamMarch 28, 2008

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

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Civil Summons on Credit Card Debt

Daniel CohenApril 24, 2008

Advice about Civil Summons on Credit Card Debt | Free tips about your options, if you were served a civil summons on account of a credit card debt. Bills.com i

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California Community Property

Bills.com TeamAugust 11, 2014

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

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Tips When Your Spouse has Debt

Daniel CohenApril 28, 2019

Finding out your spouse has debt can create financial and marital stress. Take the right steps and you can work your way out of the crisis, provided you both

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Voluntary Repossession

Bills.com TeamMarch 30, 2021

Get all the information you need about voluntary repossession, be it a vehicle or a home that you considering for voluntary repo.

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Payday Loan Laws

Bills.com TeamFebruary 1, 2016

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...

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Debt Solutions

April 1, 2017

Find a debt solution, no matter how much you owe, at Bills.com - your one-stop resource for saving money. From excellent credit to financial hardship, there...

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Debt

Aly J. YaleApril 26, 2022

Debt can often be a useful tool it can also pose a significant hurdle. If you've ever borrowed money, you've taken on debt, Use this guide to learn more...

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Collection Agency - Complete Guide to Handle Collection Calls

Betsalel CohenJune 27, 2021

A collection agency either buys debts or acts as an agent for the original creditor. Learn how to deal with collection calls, avoid harassment, and negotiate...

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Debt Consolidation Loans with Bad Credit February 2022: Rates, Reviews & Options

October 6, 2020

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…

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Best Debt Consolidation Loan for May 2022

November 20, 2020

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...

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Credit Counseling Guide 2022

December 7, 2020

credit counseling, consumer credit counseling

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Manage your Debt

February 27, 2017

Tips and advice to help you Deal with Debt. Learn when debt relief, debt settlement, debt consolidation or credit counseling is best. Make sure that you...

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Is Debt Consolidation Right for You?

Betsalel CohenOctober 6, 2020

Debt consolidation can help you save money on interest, lower your monthly payments, and pay down debt faster. Use a debt consolidation loan, or...

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5 Ways to Consolidate Credit Card Debt

Betsalel CohenOctober 6, 2020

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...

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