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Debt Help Articles

Phone Payment for Debt

Daniel CohenJanuary 23, 2023

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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Rollover into IRA

Daniel CohenJanuary 23, 2023

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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Frozen Bank Account

Mark CappelJanuary 23, 2023

Frozen account| An out-of-state judgment creditor can freeze an account only if it domesticates the judgment first.

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Debt After Death

Mark CappelJanuary 23, 2023

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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Spousal Support and Credit Card Debt

Mark CappelJanuary 23, 2023

Spousal Support and Credit Card Debt | Changes in spousal support payments should be authorized by the courts. Unilateral action by the one party can cause...

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Target Visa

Mark CappelJanuary 23, 2023

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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Sell Timeshare

Mark CappelJanuary 23, 2023

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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Find Attorney

Mark CappelJanuary 23, 2023

Find Attorney | Ask your friends and family if they have any recommendations. Learn about some of the key questions to ask an attorney before hiring, and ...

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Domino Strategy

Mark CappelJanuary 23, 2023

The domino strategy retires debt at the lowest cost in interest. It is also effective because it tends to build a person's credit score. I think your plan is so

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Requesting a Deficiency Balance Statement

Bills.com TeamJanuary 23, 2023

When my car gets repossessed, auctioned, and sold can I get a statement telling me how much it was sold for and what I owe?

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Debt Advice

January 23, 2023

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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Buy a Car vs. Pay-off Credit Card

Mark CappelJanuary 23, 2023

A newer car would be nice, but it makes more sense economically to apply the amount you would be paying for a new car to retire the credit card debt.

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Garnish Military Pension

Mark CappelJanuary 23, 2023

VA benefits and military pensions are not subject to execution, levy, attachment, garnishment, or other legal process. However, there are exceptions for child s

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Debt Discharge

Mark CappelJanuary 23, 2023

Debt Discharge information from Bills.com

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Washington Garnishment

Mark CappelJanuary 23, 2023

Washington Garnishment | The state collection laws on Washington allow a judgment-creditor to garnish your wage. The most that can be taken from your pay is...

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Chapter 13 and Short Sale

Betsalel CohenJanuary 23, 2023

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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Two Accounts Billed As One

Bills.com TeamJanuary 23, 2023

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

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Credit Card Lawsuit in Pennsylvania

Betsalel CohenJanuary 23, 2023

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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California Deficiency Balance

Mark CappelJanuary 23, 2023

California deficiency balance | California deficiency balance can arise from a short sale or foreclosure. In a short sale the lender agrees to accept less...

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Equifax Debt Wise

Daniel CohenJanuary 23, 2023

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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Debt Help

Aly J. YaleJanuary 23, 2023

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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What Should I do About Business Debt

Mark CappelJanuary 23, 2023

Business Debt advice from Bills.com

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Wisconsin Spousal Liability for Debt

Mark CappelJanuary 23, 2023

By marrying a spouse with debt and residing in a community property state you bought a ticket to an anti-lottery. Your chances of losing are small, but you risk

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Debt Management Advice

Betsalel CohenJanuary 23, 2023

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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First Bank of Delaware & ThinkCash

Daniel CohenJanuary 23, 2023

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 to Credit Ratio

Mark CappelJanuary 23, 2023

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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Debt Solutions

January 23, 2023

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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Voluntary Repossession

Bills.com TeamJanuary 23, 2023

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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Minnesota Family Law

Mark CappelJanuary 23, 2023

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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Payday Loan Laws

Bills.com TeamJanuary 23, 2023

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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National Action Financial Services

Mark CappelJanuary 23, 2023

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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Florida Judgment

Bills.com TeamJanuary 23, 2023

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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Texas Truck Repossession

Mark CappelJanuary 23, 2023

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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Georgia Spousal Liability for Debt

Mark CappelJanuary 23, 2023

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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Offer and Acceptance

Daniel CohenJanuary 23, 2023

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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Find Attorney in California

Mark CappelJanuary 23, 2023

Talk with an attorney who can interview you in person and suss-out the relevant facts in your situation, and review your documentation.

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Illinois Garnishment Rules for Two Jobs

Daniel CohenJanuary 23, 2023

Illinois garnishment rules are complex and favor judgment debtors.

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Business Credit Card Liability

Betsalel CohenJanuary 23, 2023

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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California Wage Garnishment Limits

Daniel CohenJanuary 23, 2023

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

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Wisconsin Wage Garnishment

Mark CappelJanuary 23, 2023

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...

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Michigan Spousal Liability for Debt

Mark CappelJanuary 23, 2023

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...

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Charge Off Credit Union Loan

Mark CappelJanuary 23, 2023

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

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