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Don’t wait until your accounts have been turned over to a debt collector.At that point, your creditors have given up on you.Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. Your financial situation doesn’t have to go from bad to worse.If you or someone you know is in financial hot water, consider these options: self-help using realistic budgeting and other techniques; debt relief services, like credit counseling or debt settlement from a reputable organization; debt consolidation; or bankruptcy. It depends on your level of debt, your level of discipline, and your prospects for the future.Contact your creditors immediately if you’re having trouble making ends meet.
Most automobile financing agreements allow a creditor to repossess your car any time you’re in default. If your car is repossessed, you may have to pay the balance due on the loan, as well as towing and storage costs, to get it back.
Call the local office of the Department of Housing and Urban Development or the housing authority in your state, city, or county for help in finding a legitimate housing counseling agency near you.
If you’re struggling with significant credit card debt, and can’t work out a repayment plan with your creditors on your own, consider contacting a debt relief service like credit counseling or debt settlement.
Other lenders may agree to change the terms of the mortgage by extending the repayment period to reduce the monthly debt.
Ask whether additional fees would be assessed for these changes, and calculate how much they total in the long term.
Depending on the type of service, you might get advice on how to deal with your mounting bills or create a plan for repaying your creditors.