The first step is to know where you live.

A simple Google search will show you where your bank accounts are located.

Follow these steps to avoid the debt.

1.

Find out where your account is located 2.

Get a mortgage from a home equity lender 3.

Find a bank with a checking account 4.

Use a home mortgage to pay the debt 5.

Make sure you have a credit card 6.

Pay off the debt before you put money into a credit union or bank 7.

Get legal advice to help pay off the bill 8.

Take advantage of the new online banking features at a bank that can help you pay the bill without paying interest.

9.

Know the law for your state and federal credit bureaus 10.

Take steps to make sure you’re not overpaying for a credit line