Debt 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.

Choosing a Debt Relief Program

Learn three tips to help you choose a debt relief program relief: Check affordability, your credit, and your ability to stick to a program before...

Should I Consolidate my Credit Card Debt

Should you consolidate your credit card debt? Find out reasons people have credit card debt and match your situation with debt relief solutions that best fit...

Splitting Credit Card Debt in Divorce

A divorce decree does not trump the contract terms in a loan. The contract was agreed to when the loan was signed by you and/or your spouse. The divorce did not

MRS Associates

MRS Associates is a collection agent. If MRS Associates calls or sends you a letter, take these 3 steps to protect yourself. First, validate the debt...

Zwicker & Associates

Zwicker & Associates is an aggressive debt collector. Three steps you should take to prevent Zwicker & Associates from suing you. To protect yourself, first...

Government Debt Relief

Government debt relief programs are limited, but options exist. The Government also helps protect you against debt collectors. There are non-government programs...

Reduce Debt Yourself

9 do-it-yourself debt solutions, including how to stop a collector's calls, validate debt, dispute an error in your credit report, failure to verify a debt...

Remedies & Common Law

An original creditor is not required by law to notify a debtor it sold the debtor's collection account to a third party. Therefore, I do not see any illegal act

Debt Consolidation Reviews

Reading debt consolidation reviews is an important step in finding the right debt consolidation company. You also need to choose the right debt consolidation...

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.

HCA Patient Financial Assistance

HCA hospitals and HCA surgery centers offer charity and discount programs for people who can show they have limited income. If you do not quality, you have...

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...

Colorado Collection Laws

Learn the statute of limitations for credit card and other debts in Colorado, and the state's unusual rules for the life of judgments, which is 6 or 20 years...

Medical Debt

The Medical Debt Responsibility Act of 2013, if passed into law, would require credit bureaus to remove settled but formerly delinquent medical debt from...

Settled Debt Not Updating on Credit Report

Get information about how a settled debt is reported to the credit bureaus and how long it might take to update. read more about debt settlement at Bills.com

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?

Maryland Collection Laws

Learn the statute of limitations for credit card and other debts, and how to apply for a $6,000 account levy exemption available to Maryland residents...

Collector Harassment

Learn how to deal with aggressive debt collectors in this informative article about collector harassment on Bills.com

Bill Consolidation and Credit

Your credit score and history make a difference when choosing bill consolidation options. Also, once you choose a program your credit score will be affected.

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?

Mississippi Collection Laws

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

Lexington Law Firm & Bankruptcy

Lexington Law Firm cannot promise it will remove a bankruptcy from your credit report, but it can say it will try. If you actually filed for BK, don't expect...

Community Debt After Divorce

Learn about California Community Property Law and see how it could effect your debt responsibilities if you are going through a divorce.

Consolidate Debt & Divorce

Debt consolidation & divorce don't often go together, but there's no reason a divorce should stop you from consolidating debt. How to consolidate debt and...

How to Settle a Judgment

You want to buy a house, but have a judgment against you. How to settle the judgment without spending your down payment.

Utility Collection

Steps you can take to keep the heat and lights on when you cannot pay your utility bill. Learn the secrets of utility debt collection...

CFPB Supervisory Report | Credit Markets

CFPB Supervisory Report | The CFPB issued its first supervisory report and identified problems in the mortgage and credit markets. Learn to be an educated...

Stop Debt Collection Threats

Debt collector threats can be very stressful. Learn what to do if a collector threatens you with arrest, wage garnishment, visiting you at work, or taking...

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?

Creditor Trying to Collect on Forgiven Debt

Learn about rules regarding debt charge-off and what the ramifications might be there for you after a debt has been charged off. Bills.com is your one stop res

Tactics Used by Debt Collectors

Debt collectors are infamous for their dirty tactics to trick you into a payment. Learn how to deal with debt collectors with the help of Bills.com

Oregon Collection Laws

Learn the statute of limitations for credit card and other debts in Oregon (hint: they're long), and the state's consumer friendly anti-garnishment...

Paying Down Debt

If I get a partial lump sum of what I owe to my creditors, which debts should I pay?

Ways to Pay Your Debt Off Faster

Find the right strategy to pay off debt faster, based on your individual circumstances. You can save a lot of money and get out debt faster, if you start by...

Reverse Mortgage Garnishment

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

Credit Score Medical Debt

Medical debt can harm your credit score, but only if the debt is so delinquent it lands in the hands of a collection agent. Take steps to avoid collections...

$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

Indiana Collection Laws

Learn the statute of limitations for credit card and other debts, and what amount is exempt from an account levy in Indiana. The first $350...

Community Health Systems Financial Assistance Program

Community Health Systems (CHS)'s 135 hospitals and care centers offer charity and discount programs for low-income people. Talk to a financial counselor in...

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?

South Carolina Collection Laws

Learn the statute of limitations for credit card and other debts in Colorado, and the state's tough rules for wage garnishment and account levy...

Common Non-Law and Debt

If I pay an amount on my credit card every month (it is currently 45 days late), can its collections department still call me about the debt?

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...

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...