Debt Relief Articles
Debt Negotiation Resource Center
Debt negotiation is a solution for people in a hardship. Carefully look at your situation and debt relief options. Choose between a do-it-yourself approach...
Read moreDIY vs. Professional Debt Negotiation: Which Path Is Right?
Struggling with debt? Learn when to negotiate yourself vs when to hire help. Simple guidance to help you choose the right path for your situation.
Read moreBest Debt Relief Programs March 2026 - Compare Top Companies
Compare the best debt relief programs of 2026. Learn how to evaluate settlement companies and credit counseling agencies before enrolling.
Read morePros and Cons of Debt Settlement
Debt settlement could reduce what you owe, but risks include credit damage, lawsuits, and taxes. See the pros and cons to decide if it's worth it.
Read moreChapter 7 Bankruptcy Qualifications & Means Test Guide
Learn if you qualify for Chapter 7 bankruptcy. Understand the means test, income limits, and how to pass based on your expenses and financial situation.
Read moreCan a Teacher Qualify for Chapter 7 Bankruptcy?
Marcus, a 34-year-old teacher earning $58K, has $127K in debt. Can he qualify for Chapter 7 bankruptcy? See how the means test works with real numbers.
Read moreWhat Is Debt Settlement and How Does It Work?
Debt settlement lets you negotiate to pay less than you owe. Learn how the process works, what it costs, and the risks to consider.
Read moreDebt Settlement Attorney: Do You Need One?
Learn what a debt settlement attorney does, how much they cost, and when you actually need one vs. handling it yourself.
Read moreWhat Is Debt Relief? Your Options Explained
Debt relief means different things to different people. Learn what options exist, how they work, and how to avoid scams.
Read moreThere are several options for debt relief. Read on to learn about debt consolidation, debt settlement, bankruptcy, and other choices to get rid of debt.
Read moreDebt relief could reduce what you owe—but comes with real risks. See the pros and cons of settlement, DMPs, consolidation, and bankruptcy.
Read moreWhat It Means to Be Judgment Proof—and What to Do If Sued
Learn what it means to be judgment proof, how to tell if it applies to you, and what steps to take if a creditor sues you—even if they can't collect.
Read moreIs debt relief worth it? It depends on which type. Learn when settlement, consolidation, or credit counseling fits—and when to avoid it.
Read moreDoes Debt Relief Hurt Your Credit? What Actually Happens
The "100 point drop" claim has no research behind it. Your credit damage depends on your starting point and which events each path involves.
Read moreDebt Relief Programs: Types, Costs, and How to Choose
Debt relief programs include settlement, credit counseling, DMPs, consolidation, and bankruptcy. Learn which type fits your debt situation.
Read moreHow to Handle American Express Collections and AMEX Debt
Behind on your AMEX payments? Learn how American Express handles collections, what to expect from Nationwide Credit, and how to settle your debt.
Read moreHow to File Chapter 7 Bankruptcy
Learn how to file Chapter 7 bankruptcy in 7 steps, including costs, timeline, forms, and common mistakes. Options for fee waivers are included.
Read moreChapter 7 Bankruptcy Discharge
A Chapter 7 discharge eliminates eligible debts like credit cards and medical bills. Learn what gets discharged, the timeline, and what happens after.
Read more5 Common Debt Negotiation Mistakes to Avoid
Description: Avoid the most common debt negotiation mistakes. Learn what to say, when to pause, and how to get agreements in writing before you call creditors.
Read moreDebt Settlement Letter: Templates & How to Write OneDe
Learn how to write a debt settlement letter with free templates. See how one person settled $6,400 for $2,500 and get step-by-step guidance.
Read moreHow to Negotiate Credit Card Debt
Negotiate with your credit card company for lower rates, reduced payments, or settlement. Scripts, examples, and what to watch out for.
Read moreGovernment debt relief programs are limited, but options exist. The Government also helps protect you against debt collectors. There are non-government programs...
Read moreLearn what a debt settlement agreement includes, how to review it safely, and what to check before signing. Protect yourself with this step-by-step guide.
Read moreStruggling with Citibank credit card payments? Learn how negotiation works at each stage so you can choose your next step with confidence.
Read more10 Tips to Negotiate Your Debt
Get practical tips for negotiating debt with creditors and collectors. Learn what to say, when to call, and how to get agreements in writing.
Read moreLearn how to settle a charged-off debt, how the process works, how much you might pay, and the changes you'll see once a creditor charges off and transfers the account.
Read moreYou can negotiate debt repayment on your own, or hire a professional. Learn more about debt negotiators and when hiring one might be a good idea.
Read moreAre you looking for ways to get out of debt? No matter the reason you are in debt, or your personal situation, bills.com Get Out of Debt Guide helps you....
Read moreCitibank Sears MasterCard Settlement
Citibank Sears MasterCard Settlement | Look into your different debt relief options including a Credit Counseling and Debt Management Plan. Check out the...
Read moreDebt Relief includes different solutions to pay off, reduce, and eventually eliminate debt more effectively. Learn about debt relief and how it works so that...
Read moreRenegotiate Citi Credit Card Settlement Agreement
Before you stop making payments under your settlement agreement with Citi, it makes sense to call Citi and explain your changed circumstances.
Read moreBusiness Line of Credit Debt Settlement
Business Line of Credit Debt Settlement | If you can't afford to pay your business line of credit look for debt relief options including debt settlement and...
Read moreFree Credit Consolidation Services
Free credit consolidation services may not exist, but you do have debt reduction plan options that will, at no or little cost, help you consolidate your debt. R
Read moreTrue credit card relief is the result of learning to manage spending and use credit cards wisely. Learn both at Bills.com.
Read moreI Need to Consolidate my Debt | Learn how to choose the right debt consolidation option, based on your individual financial situation. Make sure you never...
Read moreA lowered credit score and nerve-wracking telephone calls from collection agents are common for debtors in a debt settlement program. These will end as you work
Read moreDiscover what bad credit debt relief solutions are available to you from Bills.com - your complete source for saving money.
Read moreDebt Settlement Companies | Review how to find the best debt settlement companies in business. Learn what to avoid, so you don't get scammed. Never hire...
Read moreCredit card debt | Get out of credit card debt for good with help from Bills.com. Find debt resources and information in one convenient place.
Read moreCitibank has a reputation for being a sharp negotiator regarding the settlement of credit card debt. You may wish to wait until Citibank sells your collection a
Read moreHow to Settle Credit Card Debt
How to Settle Credit Card Debt | Free tips on how to settle credit card debt on your own. If you lack the skills to settle, hire a debt settlement firm that...
Read moreGet Debt Relief | Learn which debt relief strategy is best for your needs, and the positives and negatives of popular debt relief strategies...
Read moreFree Debt Relief Programs | Avoid scams that promise you free money or free debt relief. Use the FREE program to help you get the best debt relief program to...
Read moreDebt Settlement Loan | Learn how to negotiate a payday loan settlement. It's not easy, but learn the steps to fight back against payday...
Read moreCredit Card Debt Elimination Programs
Credit Card Debt Elimination Plans | Don't ignore your debt. By creating a budget and financial plan, you set the foundations to eliminate...
Read moreDebt Relief | A debt relief loan can actually reduce your debt. Discover your loan options and where you can find a loan...
Read moreTrue debt relief help will help you change the way you think about debt and money. Learn how to stay out of debt permanently at Bills.com - Find. Learn. Save.
Read moreThe Best Free Debt Relief Options
Free Debt Relief | Look at free debt relief options before you hire a firm to help you with your debt. Use the free advice and tools to save money. Start by...
Read moreSettle Credit Card Debt |Take the First Steps
Settle Credit Card Debt | If you are struggling to meet your minimum monthly payments, then learn how to settle credit card debt by yourself or with...
Read more'Debt reduction services' can mean the Boise, Idaho provider of credit counseling services, or companies offering debt resolution services...
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