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what you can do right now

Information is great. But taking small steps now can lead to big changes.
  • Today
  • Make an appointment with a consumer credit counseling service in your community. These nonprofit counselors will help you make a plan to reduce your debt.
  • Next Week
  • Make a plan to reduce or eliminate your debt. If you cannot afford all of your debt payments, develop a budget to determine how much of your debt you can afford to repay each month.
  • Make arrangements with some or all of your creditors to pay in installments.
  • Try to avoid taking on new debt. If you do take on new debt, make sure you can pay your debts regularly.
  • During the Next Few Months
  • If you cannot afford to repay your debt or cannot come to an agreement with your creditors, talk with a financial counselor to see if bankruptcy may be an option for you.