Debt Help Articles

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...

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...

Frozen Bank Account

Frozen account| An out-of-state judgment creditor can freeze an account only if it domesticates the judgment first.

Rollover into IRA

You will pay zero dollars in penalties or taxes if you rollover your retirement plan into an Individual Retirement Arrangement (IRA).

Phone Payment for Debt

If you allow a collection agent to make withdrawals from your bank account without having a signed contract in hand, how can you prove the collector took more t

Debt Coach vs. Your Provider

Debt Coach uses industry averages for each debt resolution approach to arrive at its recommendations.

Profit Sharing Plan Rollover

Profit Sharing | You will pay zero in penalties or taxes if you rollover your profit sharing plan into an Individual Retirement Arrangement (IRA)

Lower Payment

Lower payment | A lower payment on your monthly bills is possible, if you find the right debt resolution option. Free tips from bills.com to help you get out of

Levy Account

Many states exempt certain amounts and certain types of funds from bank levies, so a debtor should review his or her state's laws to find if a bank account can

How to Pay Off Debt Even in Collections

How to pay off debts even in collection | Learn your rights so a collector does not take advantage of you. Make sure you have to pay the debt and if so, then...

Forgiven Debt Income

Forgiven Debt Income on Unverified Debt | A creditor can send out a 1099-C, cancellation of debt form, which may cause a tax liability. If you can't validate...

Seize and Sell Florida Property

Seize a Sell Florida Property | A judgment-holder in Florida is legally allowed to seize property, though it may not actually do so. Florida law allows...s

Georgia Garnishment

Georgia Garnishment | If you have a judgement against you a creditor can get a wage garnishment in Georgia. If you wish to avoid a garnishment, then...

Kansas Spousal Liability for Debt

Spousal Liability for Debt in Kansas | If you always resided in Kansas or a non-community property state then you have no liability for the debt. However, if...

Debt Portfolio

Collection accounts are sold as pools or portfolios, and I know of no way for a collection agent (or anyone else) to purchase the collection accounts for a part

Foreclosure Prevention

Lenders would prefer to avoid foreclose on mortgages because foreclosure offers a poor economic return, and only foreclose as a way of limiting losses on a defa

Advanta Debt

You may be able to negotiate the amount of debt you owe on your Advanta credit card with the third-party collection agency.

Interest on Judgment

I have a judgment against me and learned the creditor is charging me 10% interest. Is that legal? It depends on which state you reside in.

Will Co-signing On a Loan Hurt My Credit Score?

My boyfriend has terrible credit. Will it affect my credit if I co-sign a loan with him?

Debt Death

Responsibility for Debt after Death of Borrower | Some people assume a decedent's debt is forgiven or written off by creditors. The law doesn't work that way...

California Community Property

California Community Property Law and your spouse's debt. In California, creditors can reach your separate property, but the rules for premarital debt...

Bank of America debt options

Bank of America debt options | Review your different options for resolving Bank of America debt. Reduce what you owe or lower your interest rate. Start by...

Two Creditors Garnishing Wages at the Same Time

Get more information as to how wage garnishments work. If you are facing a creditor judgment, Bills.com can help you save.

Business Debt on Personal Credit Report

Read more about how a business debt can be reported on your personal credit profile. Get more information about debt collection practices at Bills.com

Default Payment

Default Payment | It is imperative that you show evidence to the attorney who filed suit against you to show you are current in your payments to the original...

Deceased Estate

Assuming the above, and assuming your spouse's prognosis is dire, neither you nor your spouse have an incentive to change the status quo regarding the property.

Investment Rate of Return

Paying off Debt or Investing | Investing your money instead of paying off debt might be a wise decision depending on the interest rate and rate of return...

Garnish My Pension?

Can your pension be garnished? Pensions, like Social Security and other forms of retirement income, are exempt from garnishment for most debts. However...

Debt Judgments

If you are facing a judgment or possible garnishment, let Bills.com give you the advice you need to resolve your debt.

Debt Settlement Advice and Tips

Get self help tips and advice on debt settlement options. Find. Learn. Save! at Bills.com

Debt Inheritance

See what happens to your debt when you pass away. Bills.com your one stop financial resource center

Debt and Divorce

Get all the answers about debt and divorce from Bills.com? your source for saving money. Ask Bill, Bills.com's financial expert your financial questions.

How Do I Reduce My Debts?

How do I reduce my debts? | If you are asking yourself, 'How do I reduce my debt?' you owe it to yourself to look at all your options. Start by...

Divorce and Debt

It is important to divide assets and liabilities, and make certain to update your credit report record (particularly if there are jointly held accounts) after t

Bad Debt

If you have Bad Debt problems, let Bills.com help you save.

CreditGuard of America - Credit Guard Advice and Consumer Debt Solutions

See what Bills.com has been asked in the past about Credit Guard of America and Consumer Debt Solutions.

Buried In Debt

Find yourself buried in debt? Bills.com has the tips and resources to get debt free.

Small Business Debt

Do you have a lot of debt acrued through you closed small business? See what options may be right for you. Bills.com is your one stop resource for saving mone

Debt Management Questions

Get answers to common debt management questions. Bills.com, your personal finance resource center.

Freeze Account

It is not possible for a third party, such as an ex-spouse to effectuate an account freeze. You may be thinking of what is called a levy or garnishment.

Credit CARD Act of 2009 Interest

The Credit Card Accountability Responsibility and Disclosure Act of 2009 is an amendment to the Truth in Lending Act. It limits the amount your rate can changeâ

California

Learn more about California statute of limitations, collection Law, payday loans & bankruptcy limits

Creditor calling

See what recourses you have against harassing creditor calls. Know your rights at Bills.com

Being Sued While Deployed Overseas

Being Sued While Deployed Overseas | In most states, a creditor attempting to file a lawsuit against you is required to have you personally served with a...