Betsalel Cohen
Passionate about helping people improve their finances. Worked in mortgage banking, private banking, and personal financial coaching. When he is not working, he loves running and spending time with his family.
Good Faith Estimate (GFE)Aug 2, 2024
Since January 2010 a new Good Faith Estimate (GFE) has been mandated by the department of Housing and Urban Development (HUD). We help you to understand it
Unsecured Debt Consolidation LoanAug 2, 2024
Use an unsecured debt consolidation loan to pay off personal debt, medical bills, and credit card debt. The loan simplifies your payment schedule and helps...
ARS National Services - Dealing with Collection Calls | Bills.comAug 2, 2024
ARS National Services is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...
Nationwide Credit Inc: Dealing with Collection Calls | Bills.comAug 2, 2024
Nationwide Credit Inc is a collection agency that works with original creditors and third-party debt buyers. Learn how to deal with a collection call, avoid...
Portfolio Recovery Associates - Deal with collections | Bills.comAug 2, 2024
Portfolio Recovery Associates is a large collection agent. Take these three steps when Portfolio Recovery Associates calls you to collect a debt. First...
How to Handle a Debt Collection Call from Rausch Sturm 2024 | Bills.comAug 2, 2024
Rausch Sturm is a collection agency that collects debts for financial institutions and creditors. If they contact you, take these steps to protect...
Real Time Resolutions: How to Deal with Collections | Bills.comAug 2, 2024
Real Time Resolutions is a mid-size debt collection agency that services debt and mortgages. They also buy debt. If you were contacted by RST avoid making...
Low Interest Credit Card Consolidation LoansAug 2, 2024
Low-interest credit card consolidation loans are available, including a personal debt consolidation loan and a cash-out or home equity mortgage. Your credit...
Debt Consolidation Alternatives for Military and HardshipAug 2, 2024
There are debt consolidation alternatives for military personnel in a financial hardship. Don't fall for scams or easy to qualify solutions. Look for...
Bad Credit Debt Consolidation Loan AlternativesAug 2, 2024
Consolidating debt with bad credit is a challenge. While bad credit debt consolidation loans are available, compare them with other alternatives that are..
Debt Consolidation Loan FeesAug 2, 2024
Debt Consolidation Loan Fees | There are different debt consolidation loan solutions. Make sure that you choose the right program and compare rates, upfront...
Q3 2018 US Household Debt TrendsAug 2, 2024
The amount of household debt in the US is increasing. While there is no conformity across states, debt levels are rising, especially student loans and auto loan
Dealing with Late Payments and Delinquent AccountsAug 2, 2024
If you can’t afford to make your payments on time, then you are not alone. While delinquent rates dropped since the Great Recession in 2008, many households...
Debt Consolidation Loans For MilitaryAug 2, 2024
Debt Consolidation Loans Military | If you own a home then consider a VA cash-out mortgage. While there isn't a special personal loan program for military...
US Bank Debt Consolidation Loan OptionsAug 2, 2024
US Bank offers debt consolidation loan options for their existing customers including personal loans, lines of credit and home equity loans. Check out the...
How to Consolidate Credit Card DebtAug 2, 2024
How can you consolidation credit card debt? Learn about the best way to consolidate credit card debt and choose a program that fits your...
Pros and Cons of a Bad Credit Debt Consolidation LoanAug 2, 2024
If you have bad credit, then you are probably wondering if a bad credit debt consolidation loan is the right solution to your debt problems. Learn the pros and
FTC Crackdown on Bogus Debt CollectorsAug 2, 2024
Fake Debt Collectors and FTC Crackdown | Debt collectors must act fairly. If threatened or harassed, file a complaint with the FTC, who recently...
CFPB and New Ideas for Private Student Loan ReliefAug 2, 2024
Private Student Loan Relief | There are few relief options for private student loan borrowers. The CFPB's July 2012 report called for changes, including...
Tax Deductions and MortgagesJul 22, 2024
Mortgage Tax Deduction | Romney introduced the idea of limiting mortgage interest tax deduction. Learn about the types of mortgage tax deductions you can...
Gifting Money for DownpaymentJul 22, 2024
Gifting Money for Mortgage | It is possible to gift money without paying taxes. The receiver can use the gift funds toward a downpayment. Consult with a...
Mortgage Disclosure | The CFPB Loan Estimate FormJul 22, 2024
Mortgage Disclosure - Taking a Loan | The new proposed CFPB Loan Estimate Form aims to bring you clear information. After making an application compare...
Annual Percentage Rate for MortgageJul 22, 2024
APR Mortgage | Using the Annual Percentage Rate for your mortgage can be helpful in comparing offers, but has many limitations. Be sure to include all fees...
Understanding LTV & Your MortgageJul 22, 2024
LTV: Loan to Value | Mortgage lenders look at your loan balance and the value of your house to determine your LTV. Learn how to calculate LTV and the impact...
Second Mortgage Lender | Shop AroundJul 22, 2024
Second Mortgage Lender | Shop for a second mortgage by comparing your current lender, big banks, credit unions, and online sites. Make sure that you know...
Mortgage Basics | Downpayment, Equity and LTVJul 22, 2024
Mortgage Basics - Down-payment, Equity, and LTV | Learn about mortgage terms relating to your property's value and how it affects your mortgage loan. It is...
Mortgage Basics: CreditworthinessJul 22, 2024
Mortgage Basics - Creditworthiness | Learn more about mortgage basics. Lenders evaluate both your willingness to pay an ability to pay. Learn more about..
Understanding the Basic Terms of a Mortgage LoanJul 22, 2024
Mortgage Basics - Understanding Mortgage Terms | The first in a series of 3 articles about mortgage basics explains key mortgage terms including payment...
Freddie Mac OverviewJul 22, 2024
Freddie Mac | Freddie Mac helps to make money available in the mortgage market, which means lower interest rates for you. Learn about Freddie Mac programs....
7-1-ARM |Saving with an Adustable Rate MortgaeJul 22, 2024
7/1 ARM Loans | The 7/1 ARM has a low payment because it is for 30-years, but starts with a lower payment than a 30-year FRM. However, your interest rate...
10-Year ARM (Adjustable Rate Mortgage)Jul 22, 2024
10-Year ARM | Most Adjustable Rate Mortgages have a shorter initial period. Before taking a 10-Year ARM make sure that you can afford the payments and save.....
Mortgage Complaints |Know Your RightsJul 22, 2024
Mortgage Complaints | The CFPB published a report in July 2012, including data about mortgage complaints. Learn about the major complaints and ways to avoid...
Bill Consolidation and CreditJul 22, 2024
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.
Utility CollectionJul 22, 2024
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 MarketsJul 22, 2024
CFPB Supervisory Report | The CFPB issued its first supervisory report and identified problems in the mortgage and credit markets. Learn to be an educated...
Indiana Collection LawsJul 22, 2024
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...
Bills.com Personal Loan Review MethodologyApr 6, 2024
Explore Bills.com's unique personal loan review methodology, designed to help you make informed decisions with detailed analysis of rates, terms, service, and more.
Best Bad Credit Personal Loans for November 2024Nov 1, 2024
Find the best personal loans for bad credit in [current_month] [current_year]. Compare rates, reviews, and options to consolidate debt or cover expenses.
Best Short-Term Loans for November 2024 (1)Nov 1, 2024
Find the best short-term loans fo [current_month] [current_year]. Compare rates, reviews, and options to find
No Credit Check Loans - What Are They & How to ApplyMar 30, 2024
No credit check loans are available, usually for small amounts, but they have high interest rates. Learn about the different types of no-credit check loans.
Best Home Improvement Loan for November 2024Nov 1, 2024
Explore personal loans for home improvements, renovations, and remodeling projects. Learn about loan options, requirements, and how to finance your dream home upgrade.
How to get a personal loanMar 8, 2024
Get a personal loan easily by following our step-by-step guide covering everything from checking your credit score to understanding the loan agreement.
Personal Loan CalculatorMar 1, 2024
Bills.com's Personal Loan Calculator lets you check various scenarios by changing the loan amount, interest rate, repayment period, and fees. Once you check...
Personal loan: How long does it take to get approval and funding?Feb 25, 2024
Find out how long it takes to get a personal loan. Learn about typical approval timelines, ways to speed up the process, and timelines for different types of lenders.
Soft credit checks: Use them to your advantage before a hard credit checkFeb 25, 2024
Learn the difference between soft and hard credit checks, their impact on your credit score, and how to use soft checks to your advantage when applying for...
Vermont Mortgage Rates Jan 16, 2024
Find out today's mortgage rates in Vermont . Get mortgage rate quotes from the Bills.com network of lenders. Get information about shopping and qualifying for...
District of Columbia Mortgage RatesJan 16, 2024
Find out today's mortgage rates in the District of Columbia. Get mortgage rate quotes from the Bills.com network of lenders. Get information about shopping and qualifying for...
Mortgage RatesJan 16, 2024
Compare mortgage rates for purchase or refinance mortgage loans.
Wyoming Mortgage RatesJan 16, 2024
Find out today's mortgage rates in Wyoming. Get mortgage rate quotes from the Bills.com network of lenders. Get information about shopping and qualifying for...
Credit Card DefaultNov 27, 2023
Consequences of Credit Card Default | The consequences of credit card default can be severe. Review the collection process and how to rebuild your...