Debt Help Articles

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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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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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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Use 401k to Consolidate Debt

Daniel CohenNovember 26, 2018

Your 401k can be a solution for consolidating credit card debt. Review the pros and cons of a 401K withdrawal and 401k loan, and compare them to alternatives.

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Debt Advice

April 2, 2017

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..

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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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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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Payday Loan Laws

February 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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Eliminating Unhealthy Debts

Brad StrohMay 7, 2015

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.

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Texas

Daniel CohenFebruary 18, 2015

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

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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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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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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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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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What Are My Debt Resolution Options

Daniel CohenJune 25, 2014

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

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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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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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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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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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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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New York Garnishment

Bills.com TeamMarch 1, 2012

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.

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California

Bills.com TeamFebruary 13, 2012

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

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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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Credit Card Lawsuit

Mark CappelFebruary 6, 2012

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...

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Debt Coach vs. Your Provider

Daniel CohenMay 11, 2011

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

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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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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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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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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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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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Re-Aging Debt

Mark CappelJanuary 25, 2011

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

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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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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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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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Ayuda de la Deuda

Jon PedleyDecember 1, 2010

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.

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Divorce and Debt

Bills.com TeamDecember 1, 2010

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

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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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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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National Action Financial Services

Mark CappelNovember 23, 2010

Just because National Action Financial Services has access to the credit reporting agencies and learned your contact information does not mean you owe a debt.

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First Bank of Delaware & ThinkCash

Daniel CohenOctober 29, 2010

Payday loans, also called 'cash advance loans,' 'check advance loans,' or 'deferred deposit check loans,' are a frequent pitfall for consumers.

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Debt Management Advice

Betsalel CohenOctober 26, 2010

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

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Sell Timeshare

Mark CappelSeptember 8, 2010

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.

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Minnesota Family Law

Mark CappelSeptember 7, 2010

Minnesota is a common-law state when it comes to family law, unlike Wisconsin, California, Texas and the other community property states.

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Credit Card Lawsuit in Pennsylvania

Betsalel CohenAugust 16, 2010

A reader who had a lawsuit filed against her in Pennsylvania needs to know what the creditor can do if it obtains a judgment.

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Debt to Credit Ratio

Mark CappelAugust 13, 2010

Debt to Credit Ratio | There are two ways to alter your debt to credit ratio. One is to increase your amount of available credit. The other is to cut your amoun

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Two Accounts Billed As One

Bills.com TeamAugust 12, 2010

I have two separate utility accounts that are being billed as one, can they do that?

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Target Visa

Mark CappelAugust 10, 2010

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.

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Charge Off Credit Union Loan

Mark CappelAugust 2, 2010

The credit union can charge off a delinquent loan, regardless of what may be surmised from the debtor's intent.

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