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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.
The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Then, list your "fixed" expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums.
Next, list the expenses that vary — like groceries, entertainment, and clothing.
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.
When you resume regular payments, though, you may have to pay an additional amount toward the past due total.If you’re thinking about getting help to stabilize your financial situation, do some homework first.Find out what services a business provides, how much it costs, and how long it may take to get the results they promised. Get everything in writing, and read your contracts carefully.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.Before you do business with any debt relief service, check it out with your state Attorney General and local consumer protection agency.