Debt Articles

Tips to Pay Off Holiday Debt

Find the best way to pay off holiday debt. Read tips from six top financial experts to take care of debt from the last holiday and avoid debt this year.

Am I Responsible for my Mother's Debts

Credit Card and Probate information| Authorized users do not apply for credit or sign a credit agreement, they are not legally liable for the debt. Read about..

Creditor Refusing Payments

If your creditor refuses your payment it does not meant that you are no longer required to pay the debt. If your payment is refused by your creditor, you need..

New Debt While in Chapter 13

Incurring New Debt in Ch 13 Bankruptcy | While in a Chapter 13 bankruptcy plan, you are strictly prohibited from incurring new debt without receiving prior...

Negotiate Debt

Negotiation is a process and just because you have spoken to a judgment-creditor once or twice and got no where does not mean the judgment-creditor will never a

Using Credit Cards in my Mother's Name

See what happens if you are using credit cards in your mother's name and cannot make the payments. Learn about credit card collection practices at Bills.com

Father's Debts Appearing on My Credit Report

There is no easy way to fix the problem of a father's derogatory credit items appearing on a son's credit report (or vice-versa). Here is how to start.

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...

Debt After Death

You have no personal liability for a deceased spouse's debt if you reside in a common law state. However, the law is more complicated if you reside in a...

Utah Collection Laws

Utah Collection Laws | If you are in Utah and a creditor obtains a judgment against you, you face garnishments and levies. Learn how to...

How to Pay off a Garnishment

Let Bills.com give you the help and advice you need to help you resolve a garnishment on account of credit card debt.

Statute of Limitations on Debt

Learn your state's statute of limitation laws for credit card & other debt. Find the maximum interest rate collectors can charge, and if you are liable for...

Maryland Garnishment Rules

Maryland follows the federal rules that limit the amount garnished to 25 percent of the debtor's disposable income, or not less than an amount equal to 30 times

Kansas Collection Laws

A Kansas judgment is a declaration by a court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and a li

Missouri Collection Laws

A Missouri judgment is a declaration by a court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and...

Debt Settlement Company

Debt Settlement Company | It is crucial to do your homework before selecting a reputable debt settlement company. First, look for AFCC membership, then....

Best Debt Relief Option

Among non-bankruptcy debt relief options, debt settlement programs generally offer the lowest monthly payments,because they negotiate to reduce debt owed

Debt Settlement History

In debt settlement, the debt settlement firms negotiate with creditors to reduce the actual principal balance of their clients' debts.

Switch From One Debt Consolidation Program to Another

Learn about debt consolidation options and more on Bills.com you one stop resource to save money!

Pros and Cons of Debt Settlement

Debt settlement can get you out of debt faster and at a lower cost than other debt relief options, but review the pros and cons before deciding. If...

Consolidating Bank of America Debt

Bank of America Debt Consolidation | Before you include Bank of America debt in a debt consolidation program, review how BofA will likely react. Make sure to...

Debt Consolidation Tips

Get the debt consolidation tips to understand all of your debt relief options, including Debt Settlement, Credit Counseling, and Debt Consolidation Loans.

Harassment by Debt Collectors

How to deal with harassment by debt collectors. First, learn your rights under the FDCPA. Second, consult with a lawyer when a debt collector...

Massachusetts Collection Laws

The statute of limitations for the collection of most consumer debts in Massachusetts is 6 years. The state outlaws foreclosure when a loan modification...

Personal Debt Collection

Personal Debt Collection | When a debt collector contacts you, it is important that you don't ignore the situation. Some collectors can come to your home or...

Collection on Title Loan

Collection on title loan |A title loan offers you cash from the lender, with the title of your paid-for vehicle as security. Never take a title loan without...

Consolidating Your Debt

Yes, you can consolidate your debt yourself. Follow this 6-step plan to retire your debts efficiently and at low cost. Learn your do-it-yourself options, includ

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...