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Debt Help Articles

Offer and Acceptance

Daniel CohenFebruary 20, 2024

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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Georgia Spousal Liability for Debt

Mark CappelFebruary 20, 2024

If the spouses never resided in a community property state, and only one spouse signed the loan contract, then the signatory-spouse is liable for the debt only.

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Texas Truck Repossession

Mark CappelFebruary 20, 2024

Your case involved a lease contract I have not read. You have the added complication of a spoken contract that apparently modifies the terms of the written cont

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Florida Judgment

Bills.com TeamFebruary 20, 2024

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 CappelFebruary 20, 2024

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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Right of Redemption

Mark CappelFebruary 19, 2024

Right of redemption allows former owners who have had a vehicle repossessed or home foreclosed upon to reclaim the property.

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Revolving Debt

Mark CappelFebruary 19, 2024

Learn about the difference between simple interest and the interested calculated for revolving debt.

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Garnishment Applied to Wrong Account

Mark CappelFebruary 19, 2024

What to do if a wage garnishment for a student loan is applied to the wrong account. First, contact the collection agent. Next, consult with a...

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Remove Cosigner on a Loan

Mark CappelFebruary 19, 2024

I bought a motorcycle. Now, a year later, the finance company won't honor a clause the dealer wrote into the loan. What can I do?

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Will a Cease-and-Desist Letter Work With Payday Loan Companies?

Mark CappelFebruary 19, 2024

I have sent cease and desist letters to three payday loan companies. What will they do now and what should be my next step?

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Domesticate a Judgment

Mark CappelFebruary 19, 2024

When a creditor domesticates a State A judgment in State B, it is possible that it will garnish the debtor's wages, levy the debtor's bank accounts, or place a

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Vehicle Repossession and Summons

Mark CappelFebruary 19, 2024

I can't afford payments on a repossessed vehicle I co-signed a loan on. The company is now issuing a summons. How can I deal with this?

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Reverse Mortgage Garnishment

Mark CappelFebruary 19, 2024

Can proceeds from a reverse mortgage be garnished, such as to pay off a debt? The answer is unclear.

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$60K in Debt

Mark CappelFebruary 19, 2024

I have a small trucking company and have acquired $60,000 in credit card debt.Is there a loan I can get now to minimize the interest rates without hurting my cr

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Deficiency Balance on Car Repossession

Bills.com TeamFebruary 19, 2024

My car was repossessed and now I owe $9,600 in a deficiency balance I can't afford. Is bankruptcy an option?

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Borrower Liability after Vehicle Repossession

Mark CappelFebruary 19, 2024

Borrower Liability after Vehicle Repossession | Because deficiency balances on automobile loans can cause a significant financial hardship and have a strong...

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Pensions and Credit Card Debt

Mark CappelFebruary 19, 2024

The laws covering what funds are protected against the collection actions of creditors vary from state to state, learn more at Bills.com

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Will the TARP Help me with 100K in Debt?

Mark CappelFebruary 19, 2024

There is nothing currently in the Troubled Assets Relief Program (TARP) to directly assist consumers with rent payments.

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Can't Pay Debts

Mark CappelFebruary 19, 2024

Sometimes filing for bankruptcy may be your only option to deal with debts you can't pay, read more at Bills.com

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Garnished Without Notice

Mark CappelFebruary 19, 2024

I was told by my employer they received an order to garnish my wages. I was completely unaware of this. Is there anyway to get a garnishment removed from your c

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Tips When Your Spouse has Debt

Daniel CohenFebruary 19, 2024

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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Wage Garnishment on Account of a Repossession Balance

Mark CappelFebruary 19, 2024

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

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Balance on Voluntary Repossession

Bills.com TeamFebruary 19, 2024

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

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Liable For Deceased Spouse's Debts?

Mark CappelFebruary 19, 2024

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 CappelFebruary 19, 2024

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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What Are My Debt Resolution Options

Daniel CohenFebruary 19, 2024

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

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Liable for My Deceased Wife's Debts?

Mark CappelFebruary 19, 2024

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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Credit Card Complaints - CFPB

Betsalel CohenFebruary 19, 2024

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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Estimate credit card payments

Mark CappelFebruary 19, 2024

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

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Full Payment After a Repossession

Mark CappelFebruary 19, 2024

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

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Judgment on a Business Debt

Mark CappelFebruary 19, 2024

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.

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New York Garnishment

Bills.com TeamFebruary 19, 2024

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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Old Credit Card Debt That's been Sold

Mark CappelFebruary 19, 2024

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

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Liability For Ex-Husband's Mortgage

Mark CappelFebruary 19, 2024

Am I Liable for my Ex-Husband's Mortgage | Learn about one particular scenario where an ex-husband refinanced without his ex-spouse's knowledge and....

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Cancellation of Debt Income

Bills.com TeamFebruary 19, 2024

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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Co-Signed Lease With Friend Who Broke Lease

Mark CappelFebruary 19, 2024

I co-signed a lease for a friend who later broke the lease. This is now harming my credit score. What can I do?

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Motorcycle Repossession

Mark CappelFebruary 19, 2024

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

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Foreclosure and Divorce

Mark CappelFebruary 19, 2024

A divorce can be complicate as it is, throw in a foreclosure and things can get out of hand if you don't take the proper steps, read all about it at Bills.com

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Debt Consolidation Loan Vs. Debt Settlement

Mark CappelFebruary 19, 2024

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

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Creditor Increasing Balance After Judgment

Mark CappelFebruary 19, 2024

Learn about the creditor judgment and wage garnishments in this helpful blog on Bills.com

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Repay My Debts

Mark CappelFebruary 19, 2024

Free debt help advice to repay my debts.

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Ayuda de la Deuda

Jon PedleyFebruary 19, 2024

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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Am I Responsible for my Mother's Debts

Mark CappelFebruary 19, 2024

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..

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Using Credit Cards in my Mother's Name

Mark CappelFebruary 19, 2024

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

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Father's Debts Appearing on My Credit Report

Mark CappelFebruary 19, 2024

There is no easy way to fix the problem of a father's derogatory credit items appearing on a son's credit report (or vice-versa). Here is how to start.

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Excessive Towing Fees

Mark CappelFebruary 16, 2024

My car was towed, and now the towing company wants to sell my car. What can I do? Contact an attorney in your state immediately and raise the money to pay the s

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Use 401k to Consolidate Debt

Daniel CohenFebruary 16, 2024

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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Credit Card Debt in Colorado

Mark CappelFebruary 16, 2024

My husband was sued in Colorado for a credit card debt incurred in Vermont but agreed to in Arizona. What law applies?

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Father's Credit Card Debt

Mark CappelFebruary 16, 2024

My girlfriend's father opened numerous joint account credit cards when she turned 18. He filed for bankruptcy a few years later but did not include the credit c

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Increase in Debt Balance

Mark CappelFebruary 16, 2024

Unless a creditor has charged a higher rate of interest than that allowed by your credit agreement, you probably have little recourse in forcing the creditor to

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