Dealing With Debt: When You Can't Pay Your Bills
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If you are one of the millions of Americans who struggle to pay your bills each month, this area is for you. Start by learning about the different types of debts and how creditors can collect them. Then move on to find out what will happen if you don't pay up, your options for managing high debt, and more.
Overview Articles
Feeling completely overwhelmed by debts? Start here to learn what to do.
Having trouble paying your bills? Here's what you need to know when you're in financial trouble.
Some debts should be paid before others. Learn which debts should be your top priority.
Tips for dealing with creditors when you can't pay your bills and past due debt.
Active service members can take steps to reduce loan obligations,prevent court judgments, and avoid eviction and foreclosure.
For the most part, you can’t go to jail for nonpayment of debts. But there are a few exceptions.
After you file for bankruptcy, the automatic stay offers potent legal protection against bill collectors.
Dealing With Particular Types of Debts
Tips on paying down credit card debt and negotiating with credit card companies.
Take steps to reduce, eliminate, or better manage your high medical bills.
Learn about programs and laws that can help you avoid utility disconnections.
Here are some options if you have trouble paying your income taxes.
Articles on dealing with student loan debt.
Here you'll find articles and Q&As on foreclosure, including how it works, ways to prevent it, and more.
Strategies for Paying Off Debt
Here are some things you can do, and some things you shouldn't do, to pay off debt.
Learn about the pros and cons of borrowing money from your 401k retirement account to repay your debts.
If you are considering debt consolidation, understand the advantages and disadvantages.
Types of Debts
Learn about unsecured debts -- what they are and how creditors can collect on them.
Learn about secured debts and how creditors can collect them.
Credit card debt is usually unsecured. But there are some exceptions. Be sure to read the fine print of your credit card agreement.
Debt, Marriage & Divorce
Whether you are liable for your spouse's debts depends on whether you live in a community property or common law property state.
There's no clear answer to this question -- but whether or not you are liable in the end, it will be a hassle dealing with this situation.
Getting Loans & Extensions of Credit
To avoid trouble, know what you're getting into when you sign a loan or credit agreement.
Understand the terms in loan agreements and credit contracts, and learn what provisions to avoid.
In most cases, credit insurance is a rip-off. Learn why.
Watch out for contract provisions that allow creditors to deduct past-due loan payments from your paycheck.
Resources
Turn to these consumer-friendly websites for options, answers, and information about debt and debt collection.
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