Debt Help Articles

National Action Financial Services

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.

Right of Redemption

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

Revolving Debt

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

Garnishment Applied to Wrong Account

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...

Remove Cosigner on a Loan

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?

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

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

Domesticate a Judgment

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

Vehicle Repossession and Summons

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?

Reverse Mortgage Garnishment

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

$60K in Debt

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

Deficiency Balance on Car Repossession

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

Borrower Liability after Vehicle Repossession

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

Pensions and Credit Card Debt

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

Will the TARP Help me with 100K in Debt?

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

Can't Pay Debts

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

Garnished Without Notice

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

Tips When Your Spouse has Debt

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

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 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.

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...

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.

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.

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

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...

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

Full Payment After a Repossession

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

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.

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.

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

Liability For Ex-Husband's Mortgage

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....

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...

Co-Signed Lease With Friend Who Broke Lease

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

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

Foreclosure and Divorce

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

Debt Consolidation Loan Vs. Debt Settlement

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

Creditor Increasing Balance After Judgment

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

Repay My Debts

Free debt help advice to repay my debts.

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.

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..

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

Father's Debts Appearing on My Credit Report

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.

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.

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...

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...

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

Balance on a Repossession

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

Charge Off Credit Union Loan

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

Michigan Spousal Liability for Debt

Spousal Liability in Michigan | If both spouses sign a debt agreement both are jointly liable to the creditor. But, if only one spouse signed the agreement...

Wisconsin Wage Garnishment

Wisconsin Wage Garnishment for Spouse's Debt | Wisconsin is a community property state. Generally, a spouse has liability for the other spouse's debts, but...

California Wage Garnishment Limits

California wage garnishment limits | Free tips and advice about California wage garnishment limits from bills.com