Debt Articles

Consolidate Debt into One Monthly Payment

If you are seeking to Consolidate Debt into One Monthly Payment, let Bills.com help you find the best solution for your needs so that you can get a low payment

How to Handle a Debt Collection Call from Avante USA 2024 | Bills.com

Avante USA is a collection agency that aggressively works with third-party and original owners of the debt. Protect yourself by taking these steps...

Debt Settlement Agreement

Debt settlement agreements must include 8 terms and conditions. Learn how to structure a proper letter and how to negotiate to reach the best...

Foreclosure and Bankruptcy

Foreclosure and Chapter 7 Bankruptcy | Look for alternatives to foreclosure, such as a deed in lieu of foreclosure. Before looking to bankruptcy, consult with..

American Express Debt Settlement

American Express | If the creditor sends you an unsigned document it may not be considered a contract, but instead may be considered an offer or counter-offer.

Requesting a Deficiency Balance Statement

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?

Bankruptcy Protection

Advice you need on bankruptcy protection, and how bankruptcy can help delay foreclosure.

Bankruptcy, Reaffirmation, & Short Sale

If a debtor never reaffirmed a mortgage, then he or she has no personal liability for the mortgage. Therefore, a short sale is unnecessary to avoid liability fo

Best Debt Options

We will quickly find the best debt consolidation options for you to get debt free fast.

Domino Strategy

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

Debt Consolidation without a Home

Is it possible to get debt consolidation to get out of debt if I do not own a home or have anything for collateral? Not all require collateral, so you can...

Find Attorney

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 ...

Debt Assistance is Available

If you are struggling with debt, or having trouble creating and maintaining a budget, then look for a professional debt assistance program. It can help you...

Debt Negotiation

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...

Charge Offs & Settlement

You can reach a debt settlement before charge-off. A quick settlement benefits both sides, and may cause less damage to your credit score...

Bill Consolidation

Bill consolidation simplifies your bill-paying, helps you pay off debt quicker, and saves money. Choose a debt consolidation loan or other ways to...

Cable Bill Consolidation

Can Cable bills be consolidated?

Northstar Location Services

Northstar Location Services is a collection agent. Take these steps if Northstar contacts you or the company's name appears on your credit report. Step 1 is...

Debt Reduction Companies

Debt Reduction Companies | Free advice and tips to help you evaluate debt reduction companies. Find the right company and avoid being scammed. First, ...

Old Judgment Collection

A creditor is garnishing my wages for a debt that is 10+ years old. How is this possible?

Get It In Writing

It is unwise to believe the promises of a negotiator who refuses to put a settlement agreement in writing. Our advice? Get it in writing!

Sell Timeshare

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.

Target Visa

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.

Spousal Support and Credit Card Debt

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...

Discharge and HELOC

Bankruptcy Discharge and HELOC | Ask an attorney what to do about the HELOC and see if it can be discharged in your bankruptcy. If you chose to do a lump-sum...

Citibank Hardship Program

Citibank Hardship Program | If you are having problems paying back your credit card debt, then speak to your bank. Citibank has a hardship program, but you...

Vermont Collection Laws

In Vermont, the statute of limitations for open accounts (credit cards) is three years, and written contracts have a statute of limitations of six years.

Debt Settlement Help

Debt settlement help | Debt settlement help may be the best way to get out debt. Choose a debt settlement firm that follows FTC rules that prohibit upfront...

Debt After Death

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...

New York Spousal Liability for Debt

New York Spousal Liability for Debt | Free tips about New York spousal liability for debt issues

Frozen Bank Account

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

Enforcing Out-of-State Judgment

Questions concerning enforcing judgments across state borders are difficult to answer with general, one-size-fits-all replies. The facts in each case are signif

Business 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...

Collection of Written-Off Debt

If the original creditor writes-off the debt and issues a 1099-C, that means the original creditor has forgiven the debt and is claiming the loss on its taxes.

Summons for American Express Debt

American Express wants a resolution to your debt now. Negotiating a lump-sum settlement is a compromise that will clear the debt from American Express's books a

Rollover into IRA

You will pay zero dollars in penalties or taxes if you rollover your retirement plan into an Individual Retirement Arrangement (IRA).

Phone Payment for Debt

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

Bankruptcy Divorce and Underwater Home

Your ex-spouse filing for bankruptcy can affect you, if you left your ex on the title to the home. Review how bankruptcy and divorce can affect you, when your h

Debt Coach vs. Your Provider

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

Barred Debt

Under common law, the acknowledgment must be in writing and convey the idea the debtor promises to pay the debt. Not surprisingly, many state legislatures wrote

Profit Sharing Plan Rollover

Profit Sharing | You will pay zero in penalties or taxes if you rollover your profit sharing plan into an Individual Retirement Arrangement (IRA)

California Clerk Judgment

Clerk Judgment | California law allows a court clerk to enter a default judgment against the defendant without a court hearing or judicial action

Lower Payment

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

Collection Agency - Complete Guide to Handle Collection Calls

A collection agency either buys debts or acts as an agent for the original creditor. Learn how to deal with collection calls, avoid harassment, and negotiate...

Free 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

Levy Account

Many states exempt certain amounts and certain types of funds from bank levies, so a debtor should review his or her state's laws to find if a bank account can

Government Debt Consolidation Loans

Government debt consolidation loans for federal student loans can help you save money and make bill-paying easier each month.

Consolidate Credit

Consolidate Credit | You have many options to consolidate your credit card debt. Which you choose depends on your goals, circumstances, and the amount of your d

Consolidating Debt Without Ruining Your Credit

Consolidating Debt Without Ruining Credit | Match your financial situation and credit with the best debt relief solution. If your credit is already ruined, then

Debt Consolidation Load

Searching for debt consolidation load probably means that you wanted more information on debt consolidation loans. Bills.com has...