Debt Help Articles

Thousands in Debt

Looking for the best resolution strategy for your debts? Let bills.com point you to savings.

How to Budget Your Money

Budget | Creating a budget will help you, whether you are struggling with debt or not.

Charged off amount

Learn how a charged off amount is recorded on your credit report. Get the information you need at bills.com.

Garnishing Pension

Government-administered benefits, such as state pensions and Social Security, cannot be garnished by a judgment. Consult with a lawyer when...

Voluntary Vehicle Repossession

Learn all about voluntary vehicle repossession and its effects on your credit. Learn more at Bills.com

US Debt Solutions

The pros and cons of each debt solution or debt consolidation option and how will each affect a credit report.

Marriage and Debt Payments

Learn about community property law and how it relates to marriage and debt payments. Bills.com has answers to all of your personal finance questions.

California Debt & Divorce

California Debt & Divorce | As a practical matter, even in community property states, many creditors do not go to the trouble of suing both spouses, as....

Vehicle Repossession

If you cannot repay the loan on the vehicle you have three choices: Do nothing and face vehicle repossession; allow a voluntary repossession; or negotiate with

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...

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.

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.

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.

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..

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?

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

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 ...

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...

Excessive Towing Fees

My car was towed, and now the towing company wants to sell my car. What can I do? Contact an attorney in your state immediately and raise the money to pay the s

Use 401k to Consolidate Debt

Your 401k can be a solution for consolidating credit card debt. Review the pros and cons of a 401K withdrawal and 401k loan, and compare them to alternatives.

Credit Card Debt in Colorado

My husband was sued in Colorado for a credit card debt incurred in Vermont but agreed to in Arizona. What law applies?

Father's Credit Card Debt

My girlfriend's father opened numerous joint account credit cards when she turned 18. He filed for bankruptcy a few years later but did not include the credit c

Increase in Debt Balance

Unless a creditor has charged a higher rate of interest than that allowed by your credit agreement, you probably have little recourse in forcing the creditor to

Deal Or No Deal

We were forced to sell our home through a short sale and our second mortgage left us a charge-off of 66k. We have been offered a 10-year settlement plan. Is thi

What Happens if I Do Not Have Enough Money To Pay A Deficiency Balance?

If I do not have enough money to pay a deficiency balance, what will happen?

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.

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...

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?

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?

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?

Reverse Mortgage Garnishment

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

$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

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?

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...