Debt Help Articles

Credit Card Lawsuit

Defendants of credit card lawsuits who put up a fight in court will often win. Here are the five steps you can take to fight a credit card lawsuit...

California

Learn more about California statute of limitations, collection Law, payday loans & bankruptcy limits

Eliminating Unhealthy Debts

Follow these budgeting tips and debt pay off strategies to eliminate your credit card debts and other unhealthy debts. Get on the road to becoming debt free.

Re-Aging Debt

If you have solid evidence of a collection agent re-aging an account, dispute the account as described here. You may a cause of action for re-aging the account

Creditor Threatening to Garnish Spouse

A collection agency is threatening to sue me and garnish my spouse's wages. Can they do that?

Questions to Ask Debt Consolidation Lawyers

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

Texas

Texas debt laws, bankruptcy limits, tax rates, statutes of limitations, and facts.

Foreclosure Prevention

Lenders would prefer to avoid foreclose on mortgages because foreclosure offers a poor economic return, and only foreclose as a way of limiting losses on a defa

Debt Portfolio

Collection accounts are sold as pools or portfolios, and I know of no way for a collection agent (or anyone else) to purchase the collection accounts for a part

Kansas Spousal Liability for Debt

Spousal Liability for Debt in Kansas | If you always resided in Kansas or a non-community property state then you have no liability for the debt. However, if...

Georgia Garnishment

Georgia Garnishment | If you have a judgement against you a creditor can get a wage garnishment in Georgia. If you wish to avoid a garnishment, then...

Seize and Sell Florida Property

Seize a Sell Florida Property | A judgment-holder in Florida is legally allowed to seize property, though it may not actually do so. Florida law allows...s

Forgiven Debt Income

Forgiven Debt Income on Unverified Debt | A creditor can send out a 1099-C, cancellation of debt form, which may cause a tax liability. If you can't validate...

How to Pay Off Debt Even in Collections

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...

Levy Account

Many states exempt certain amounts and certain types of funds from bank levies, so a debtor should review his or her state's laws to find if a bank account can

Using Credit Cards in my Mother's Name

See what happens if you are using credit cards in your mother's name and cannot make the payments. Learn about credit card collection practices at Bills.com

Am I Responsible for my Mother's Debts

Credit Card and Probate information| Authorized users do not apply for credit or sign a credit agreement, they are not legally liable for the debt. Read about..

Ayuda de la Deuda

Aprenda todo lo que debe saber para eliminar su deudas y consigue ayuda en Bills.com - su recurso de asistencia para aumentar su ahorros y eliminar su deudas.

Debt Consolidation Loan Vs. Debt Settlement

Learn the difference between debt consolidation and debt settlement in this informative article on Bills.com

Motorcycle Repossession

Read about the best way to deal with a motorcycle repossession if you cannot afford the payments. Save money on your repossession with tips from Bills.com

Cancellation of Debt Income

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...

Old Credit Card Debt That's been Sold

See what resources are available to you to settle old debt that has been sold to collection agencies. Bills.com has the information to help you Find. Learn. Sa

New York Garnishment

A brief look at New York's Exempt Income Protection Act (EIPA), and steps New Yorkers can take to protect their exempt income from garnishment and account levy.

Judgment on a Business Debt

Debts that you are a guarantor for, may not be reflected on your credit report. Read more to learn about the effects of a judgment on a business debt.

Full Payment After a Repossession

See what can happen after a vehicle is repossessed. Read more about payments after repossession at Bills.com

Estimate credit card payments

Monthly payment on your credit card would depend on your interest rates, repayment period and any fees that are charged on your card. Get more money saving tip

Credit Card Complaints - CFPB

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

Liable for My Deceased Wife's Debts?

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

What Are My Debt Resolution Options

The pros and cons of each debt resolution or debt consolidation option and how will each affect a credit report.

Charge Off

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.

Liable For Deceased Spouse's Debts?

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...

Balance on Voluntary Repossession

Learn about your options in case you owe a balance on your voluntary repossession at Bills.com. Find free resources to help you save.

Wage Garnishment on Account of a Repossession Balance

Learn how to deal with repossession deficiency balances so that you can avoid wage garnishment. Learn more at Bills.com

Balance on a Repossession

See what can happen after a vehicle is repossessed. Get real answers to real world questions at Bills.com

Unable to Validate Debt

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

Social Security Overpaid Me

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...

Dealing with Charged Off Debt Accounts

If your credit report has charge-off accounts on it, let Bills.com get you the advice you need to clean up your credit report.

Debt Reduction Scam?

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

Credit Solution Company

Get information on different programs and companies that offer credit solution. Find the information to help you save more at Bills.com

In College With a Lot of Debt

Learn about a student's struggle with debt burdens and see what you can do to get out of debt. Get more debt help tips at Bills.com

Payday Loan and the FDCPA

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

Responsible for Spouse's Debt?

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...

Monthly Debt

Consolidating your debt in a single low-interest loan can save on monthly payments and speed the process of paying off debt. Read about topics such as these an

Being Sued By Creditors

See what recourses you have and gets tips on the best recourse if you are being sued by creditors. Find. Learn. Save! at Bills.com

Payoff Debt from Payday Lender

These small loans, often called "cash advance loans" or "check advance loans" are a frequent pitfall for consumers. Read more about what you can do to avoid thi

Voluntary Surrender of Lease

Get the facts on voluntary surrender of lease. Bills.com has the resources to help you save on your auto loan.

Being Sued While Deployed Overseas

Being Sued While Deployed Overseas | In most states, a creditor attempting to file a lawsuit against you is required to have you personally served with a...

Creditor calling

See what recourses you have against harassing creditor calls. Know your rights at Bills.com

Minnesota Garnishment

An employer shall not discharge an employee for a garnishment in Minnesota. A divorce decree does not trump the contract terms in a federal student loan.

Delinquent Credit Card Debt and Foreclosure

Delinquent Credit Card Debt and Foreclosure | Free tips from bills.com about delinquent credit card debt, its effects on your home, and whether it can lead to f