Debt Articles

North Carolina Collection Laws

The statute of limitations for the collection of most consumer debts in North Carolina is three years. Wage garnishment is highly restricted but account levy...

Consumer Credit Counseling Services

Consumer Credit Counseling Services is the best solution for some people struggling with high-interest credit card debt. If you...

Right of Reinstatement on Vehicle Loan

Right of Reinstatement on a Vehicle Loan | Some states allow a person whose car was repossessed to reinstate their loan, if they can catch up on...

Trapped By Debt

Feel trapped by debt? Learn the four options to free yourself from debt that's dragging you down. Start by looking at what you can afford to pay, then look...

Colorado Lien For Credit Card Debt

In Colorado, which is a common law family law state, a creditor may not sue both spouses for one spouse's unpaid debts. Jointly held assets...

Comenity Credit Card Debt

Comenity Bank issues credit cards for 100+ major retailers, like Abecrombie & Fitch and Victoria's Secret. If you can't make your payments, be sure you...

How to Cancel Automatic ACH Payments

I have a dispute with a vendor that is debiting my account. If I close that account and open a new one, will the payments stop?

Delinquent Accounts Off Credit Reports

Get Delinquent Accounts Off My Credit Report | There is no way to get accurate information off your credit report. However you can dispute inaccurate...

Five Common Debt Consolidation Mistakes

Debt consolidation can be a smart way to get out of debt for less money. However, make sure that you avoid these common mistakes that...

Co-Signed Credit Card Debt

Read on what you can do to take over responsibility for a debt that was co-signed for. Bills.com blogs about real issues faced by real people.

Lexington Financial Solutions

Lexington Financial Solutions | Lexington Financial Solutions branched out from loan modifications into the debt settlement business in 2009. They don't have...

Debt Management Program

Debt management programs can be an effective way to attack your debt problem, but it is not right for everyone struggling with debt. If you have high interest..

Ways to Reduce Credit Card Debt

There are different ways to reduce credit card debt. The right way to reduce your debt depends on your specific goals, assets, income, and credit. Begin by...

Debt Settlement Collections After Settlement

See what you need to do after you finish a debt settlement program. Bills.com, your one stop resource for personal finance questions and answers.

Tennessee Collection Laws

Learn the statute of limitations for credit card and other debts, and how Tennessee wage and account garnishment exemptions can shield your assets from...

Oklahoma Collection Laws

Oklahoma collection laws are consumer friendly. Learn the statutes of limitations and the standards of proof collection agents must reach to sue a consumer...

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

Michigan Collection Laws

Learn Michigan Michigan Collection Laws, including the Michigan statute of limitations for credit card and other debts, and how your can stop a wage...

Various Types of Debt Consolidation Loans for Bad Credit

There are different types of bad credit debt consolidation loans. If you have bad credit and various types of debt, such as mortgage, credit card, or student...

Collections on Old Debt

How common is it for an automobile to be levied and sold for an unrelated debt? Also, what is a reasonable settlement for $16,000 debt?

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.

Rolling Jubilee

Collection accounts are bought and sold for pennies on the dollar. An off-shoot of the Occupy movement is raising money to buy & forgive consumer debt...

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

Secured Debt

A secured loan is where an object of value is pledged as collateral if the borrower fails to repay the loan. A lender can repossess or foreclose when...

Student Loan Debt Consolidation

Student Loan Debt Consolidation | Struggling with student loan debt? Make sure you know how to save money through a consolidation loan and all other options...

5 Debt Consolidation Loan Mistakes

A debt consolidation loan can improve your life and meet an important financial goal. If you make a common mistake, however, you can cause yourself harm. If...

Creditor calling

See what recourses you have against harassing creditor calls. Know your rights at Bills.com

Debt Settlement Option

Learn about the pros and cons of Debt Settlement as an option for debt reduction. Get more information about help with debt on Bills.com

Debt Consolidation After Bankruptcy

Debt consolidation is possible, even after a bankruptcy. If you built up debt, after a bankruptcy, look at all of your debt consolidation options. Begin by...

Question about Collection Agency

Learn about the original creditor transferring debt to a third party collection agency. Get more information to help you save, at Bills.com

Texas Collection Laws

Under Texas collection law, most debt-related statutes of limitation are 4 years in length. Wage garnishment is outlawed for most consumer debts in Texas...

Florida Collection Laws

Florida collection laws | A Florida court may decide to grant a judgment to the creditor. A judgment is a declaration by a court that the creditor has the...

Pay Off Credit Card Debts

Your payment history and the amount of debt you have are key factors used in determining your credit score...

Being Sued While Deployed Overseas

Being Sued While Deployed Overseas | In most states, a creditor attempting to file a lawsuit against you is required to have you personally served with a...

Voluntary Surrender of Lease

Get the facts on voluntary surrender of lease. Bills.com has the resources to help you save on your auto loan.

Payoff Debt from Payday Lender

These small loans, often called "cash advance loans" or "check advance loans" are a frequent pitfall for consumers. Read more about what you can do to avoid thi

Being Sued By Creditors

See what recourses you have and gets tips on the best recourse if you are being sued by creditors. Find. Learn. Save! at Bills.com

Repossession Payments

When a vehicle is repossessed, the lender will usually sell the vehicle at auction, then apply the money received at auction to the balance owed on your auto lo

Monthly Debt

Consolidating your debt in a single low-interest loan can save on monthly payments and speed the process of paying off debt. Read about topics such as these an

Responsible for Spouse's Debt?

You may be held responsible for a spouse's debt depending on your state's law, the debt type, when the debt was incurred, and any pre-nuptial agreement...

Credit Debt Help

Get unbiased advice on debt settlement and credit help. Bills.com has useful resources that help you - Find. Learn. Save!

Hawaii Statute of Limitations

The statute of limitations for debt related to a contract in Hawaii is six years.

Minor Signed an Agreement to Pay Debts

In most states, many obligations created by minors are considered voidable, as minors are not legally competent to enter into binding contracts. Read more at Bi

Paying Medical Bill

A creative and unscrupulous medical bill collector may tell you your paying part of your sister's bill creates an obligation for you. That is nonsense...

Debt Relief Alternatives

It is important to note that consumers who struggle with unmanageable debt have other options to improve their financial prospects.

Debt Negotiation Plan

Read this article to learn about progress and timeline of debt negotiation plan. See how long it usually take to start seeing results only on Bills.com

Disclaimer of Liability in Community Property State

Learn about community property, and find information about states that follow the community property law.

Wage Garnishment & Payday Loan in California

Are payday lenders permitted to contact your employer and seek out a garnishment of your wages without first filing suit and obtaining a judgment? No!

Need to Pay off Old Accounts

Get information and advice on the best way to tackle old debts and get them paid off. Learn more at Bills.com

Best Way to Pay Down Debts

Get the tips and resources to help you pay off your past due debts in the best possible manner. Find, Learn, Save! at Bills.com