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Debt Help Articles

Advanta Debt

Mark CappelJanuary 24, 2023

You may be able to negotiate the amount of debt you owe on your Advanta credit card with the third-party collection agency.

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Buy-Here-Pay-Here Repossession

Mark CappelJanuary 24, 2023

I bought a car from a buy-here-pay-here location. I just had it repossessed after being late 4 days with no notice. Is that legal? Yes!

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Two Short Sales

Mark CappelJanuary 24, 2023

A short sale is where the mortgage holder agrees to accept less than the balance owed on the mortgage at sale to prevent foreclosure.

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Missouri Payday Loan

Mark CappelJanuary 24, 2023

Can a payday loan company in Missouri file criminal charges if we default? No, unless you closed the checking account before it presented the check.

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Credit Card Debt and SSI Income

Bills.com TeamJanuary 24, 2023

Credit Card Debt and Disability Income | Disability income has certain protections from garnishments that normal income does not have. If you are sued...

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Judgment Domestication

Mark CappelJanuary 24, 2023

A judgment issued by a court in one state can only be applied in that particular state, and will have to be domesticated if the creditor wants to enforce it in

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Co-Signed Car Loan With Deadbeat Daughter

Mark CappelJanuary 24, 2023

I co-signed a loan for my daughter to buy a car. She is now refusing to make the payment. What can I do?

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Subpoena While in Debt Resolution Program

Mark CappelJanuary 24, 2023

If you are enrolled with the Freedom Debt Relief (FDR) debt negotiation program and are a FDR client, you need to contact the company's Legal Accounts Resolutio

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Renew a CD or Pay Down My Debt?

Mark CappelJanuary 24, 2023

Renew a CD or Pay Down My Debt? | If you are earning less interest on an investment than you are paying on a debt, liquidating to pay down the debt is a good...

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Two Judgments on Same Account

Mark CappelJanuary 24, 2023

You cannot be sued twice for the same debt, read on to learn more about creditor judgments at Bills.com

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Right of Offset

Mark CappelJanuary 24, 2023

Federal law restricts the right of offset, preventing federally chartered banks, like Wells Fargo or B of A, from using the right of offset in cases where...

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Court Summons for Debt

Mark CappelJanuary 24, 2023

Advice if you have received a Court Summons for Debt and need free help.

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Garnish Social Security Income

Mark CappelJanuary 24, 2023

Your retirement income is protected if your primary sources of income are Social Security and pension benefits.

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Garnish Pension

Mark CappelJanuary 24, 2023

Most pensions, like other forms of retirement income, are exempt from garnishment or attachment to repay court judgments.

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Citibank Mortgage

Mark CappelJanuary 24, 2023

Regarding your mortgage, review your loan documents carefully to see if Citi reserves a right to pursue private collections actions on your debt.

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Common Law Marriage and Debt

Mark CappelJanuary 24, 2023

Read about common law marriages and debt responsibility in this informative article on Bills.com

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Ex Wife Refusing to Pay Debts

Mark CappelJanuary 24, 2023

After a divorce my ex wife and I were ordered to pay accounts under the divorce decree. I was paying but my ex decided she was no longer liable. We are now sum

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BoA Increased Payments on MBNA account

Mark CappelJanuary 24, 2023

Advice if BoA Increased Payments on MBNA account | Credit card companies keep buying other credit card companies. Learn how to deal with the changes in...

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What Happens if I Do Not Have Enough Money To Pay A Deficiency Balance?

Mark CappelJanuary 24, 2023

If I do not have enough money to pay a deficiency balance, what will happen?

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Deal Or No Deal

Mark CappelJanuary 24, 2023

We were forced to sell our home through a short sale and our second mortgage left us a charge-off of 66k. We have been offered a 10-year settlement plan. Is thi

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Increase in Debt Balance

Mark CappelJanuary 24, 2023

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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Father's Credit Card Debt

Mark CappelJanuary 24, 2023

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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Credit Card Debt in Colorado

Mark CappelJanuary 24, 2023

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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Use 401k to Consolidate Debt

Daniel CohenJanuary 24, 2023

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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Excessive Towing Fees

Mark CappelJanuary 24, 2023

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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Tips When Your Spouse has Debt

Daniel CohenJanuary 24, 2023

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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Garnished Without Notice

Mark CappelJanuary 24, 2023

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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Can't Pay Debts

Mark CappelJanuary 24, 2023

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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Will the TARP Help me with 100K in Debt?

Mark CappelJanuary 24, 2023

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

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Pensions and Credit Card Debt

Mark CappelJanuary 24, 2023

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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Borrower Liability after Vehicle Repossession

Mark CappelJanuary 24, 2023

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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Deficiency Balance on Car Repossession

Bills.com TeamJanuary 24, 2023

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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$60K in Debt

Mark CappelJanuary 24, 2023

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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Reverse Mortgage Garnishment

Mark CappelJanuary 24, 2023

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

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Vehicle Repossession and Summons

Mark CappelJanuary 24, 2023

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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Domesticate a Judgment

Mark CappelJanuary 24, 2023

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

Mark CappelJanuary 24, 2023

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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Remove Cosigner on a Loan

Mark CappelJanuary 24, 2023

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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Garnishment Applied to Wrong Account

Mark CappelJanuary 24, 2023

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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Revolving Debt

Mark CappelJanuary 24, 2023

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

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Right of Redemption

Mark CappelJanuary 24, 2023

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

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Father's Debts Appearing on My Credit Report

Mark CappelJanuary 24, 2023

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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Repay My Debts

Mark CappelJanuary 24, 2023

Free debt help advice to repay my debts.

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Creditor Increasing Balance After Judgment

Mark CappelJanuary 24, 2023

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

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Foreclosure and Divorce

Mark CappelJanuary 24, 2023

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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Co-Signed Lease With Friend Who Broke Lease

Mark CappelJanuary 24, 2023

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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Liability For Ex-Husband's Mortgage

Mark CappelJanuary 24, 2023

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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Lower Payment

Daniel CohenJanuary 23, 2023

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 CohenJanuary 23, 2023

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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Debt Coach vs. Your Provider

Daniel CohenJanuary 23, 2023

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

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