Debt Articles

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...

Unsecured Debt Consolidation Loan

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.com

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...

Community Property Debt

Community Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...

Nationwide Credit Inc: Dealing with Collection Calls | Bills.com

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.com

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.com

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.com

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...

Louisiana Collection Laws

Learn the statute of limitations for credit card and other debts in Louisiana, and the state's consumer friendly rules for wage garnishment...

New York Collection Laws

Learn how New York law protects you if you are threatened with a lien, account levy, wage garnishment, repossession or foreclosure. Payday loans are illegal...

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?

Collection Agency Interest

Can A Collection Agency Continue to Charge Interest on A Charged Off Account?

Low Interest Credit Card Consolidation Loans

Low-interest credit card consolidation loans are available, including a personal debt consolidation loan and a cash-out or home equity mortgage. Your credit...

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

Minnesota Collection Laws

Learn the statute of limitations for credit card and other debts, and Minnesota's peculiar mortgage anti-deficiency laws. A Minnesota judgment becomes a lien...

Debt Consolidation Alternatives for Military and Hardship

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 Alternatives

Consolidating debt with bad credit is a challenge. While bad credit debt consolidation loans are available, compare them with other alternatives that are..

Washington Collection Laws

Learn the statute of limitations for credit cards and other debts, Washington's anti-deficiency law, and how much is exempt in a wage garnishment or account...