I am looking for answers about the practical limitations of using a balance transfer to accept and minimize someone else's credit card debt. If you're worried about how to get out of debt, here are some things to know — and how to find legitimate help.A balance transfer involves moving an existing debt balance from one vehicle to another. Borrowers can do this between loans and credit cards. You can go online at service.mbna. Ca or call 1-800-404-1346, Monday to Sunday, 7 am to 12 am EST, to transfer as many qualifying loan balances as you like. To obtain a copy of the lien, please contact the Alameda County Recorder's Office at 1106 Madison St., Oakland, CA 94607, or visit their online portal. Tip: If you're transferring a balance to your BMO credit card, set a plan to pay off the amount you owe on the card before the promotional term expires. Find out how credit card balance transfers can help you save on interest, manage payments and improve your financial situation with our expert tips. There is no charge for the Preliminary Change of Ownership Report (PCOR) if it is complete and accompanies the transfer document.