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what you can do right now

Information is great. But taking small steps now can lead to big changes.
  • Today
  • Collect your bills and get your credit reports. Your credit reports will list any accounts that are in collections and include any judgments from creditors.
  • Next Week
  • Once you have this information, make a list of the people to whom you owe money.
  • During the Next Few Months
  • Pay your debts regularly. If you want to reduce or eliminate debt, make a plan to do this. If you cannot afford all of your debt payments, make arrangements with some or all of the creditors to pay in installments. Before you do this, however, be sure you have developed a budget. You don’t want to over commit your financial resources to debt and then not have enough to cover your rent.