Debt Articles

Settled for Less Than Full Balance

An account marked as 'Settled for less than full balance' will be a negative mark on a credit report.

Debt Divorce

Debt Divorce | Sort out your debt problems before a divorce. If you are stuck with debt, then learn your debt relief options to solve your post-divorce...

Canada Bankruptcy

I could find no laws concerning a requirement for a private person to be residing in Canada as a condition of filing bankruptcy.

Debt Validation & Mann Bracken debt

Mann Bracken Debt and Validation | Most consumer debt contracts give the original and subsequent creditors the right to assign the debt. Without validation...

Divorce and Debt Trouble

Have your debts piled on because of a divorce? read more about divorce and debt trouble at Bills.com

Chapter 13 Cost

Get more information on the real costs involved in filing Chapter 13 Bankruptcy. Bills.com, Find. Learn. Save.

Debt Relief and Credit

How does debt relief affect your credit? Learn about the effects that different debt relief options have on your credit. Do you know that you must have...

How to Get Debt Collectors to Stop Calling

How to Get Debt Collectors to Stop Calling? Learn how to write a cease-and-desist letter to stop calls from debt collectors. Also, learn how to complain if...

Divorce Debt

Divorce Debt | Divorce decrees do not cancel previous loan agreements. You will be responsible for previous joint debt, so if you do not take your name off....

Buy a Car vs. Pay-off Credit Card

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.

Handling Pay Day Loan Collections

Protect yourself from illegal pay day loan collection techniques by learning the payday loan laws for your state. Some states require a payment plan if you...

Consolidate Wells Fargo Credit Debt

Before choosing a Wells Fargo debt consolidation program, look at all your options. Think about what saves you the most money and what will protect you from...

Debt Help Companies

Debt Help Companies for Payday Loans | Find debt help companies that meet your needs, so that you can get Debt Free Fast and Save!

Credit Card Consolidation Companies

Credit Card Consolidation Companies | Find the best credit card consolidation company for your specific needs. To save the most money, make sure that you...

Second Mortgage Student Loan

Student Loan | Weigh the cost of a refinance or second mortgage before refinancing a student loan.

Credit Consolidation Services

You have many credit consolidation services companies to chose from and it is important you research your options. The tips and solutions we shared here can...

Collection Calls On Old Debt

How to handle collection calls on 12-year-old debt. Your state statute of limitations and federal law set the rules collection agents must follow. Step 1 is...

Debt Payoff Strategies

There are different strategies for paying off debt. In order to manage your debt review your financial situation and then check out the best way to deal with..

Negotiate Judgment Settlement

In Ohio, the maximum legal interest rate that a judgment-creditor can charge is the short-term Treasury rate plus 3 percent.

California Statute of Limitations

California Statute of Limitations | California statute of limitations for debt related to a written contract is four years, and an oral contract is two years...

Debt Pointer

Debt Pointers from Bills.com can help you Save and Get Debt Free Fast.

Debt Advice

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..

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...