Dealing With Debt: When You Can't Pay Your Bills

This area is for you if you're among the many Americans who struggle to pay your bills each month. 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.  

Learn how to deal with overwhelming loans and credit card debt.

If you are struggling with debt, learn about your options to get debt relief.

Having trouble paying your bills? Here's what you need to know when you're in financial trouble.

For the most part, you can't go to jail for nonpayment of debts. But there are a few exceptions.

If you have nothing that judgment creditors can collect from you, then you are "judgment proof."

After you file for bankruptcy, the automatic stay offers potent legal protection against bill collectors.

If your business is struggling with debt, one option to consider (other than bankruptcy) is selling the business.

Learn the different categories of debt and how to manage each of them.

Learn about programs and laws that can help you avoid utility disconnections.

If you are considering debt consolidation, understand the advantages and disadvantages.

Whether you are liable for your spouse's debts depends on whether you live in a community property or equitable distribution state.

Empower Yourself: DIY Products by Nolo

Sidestep the lawyers with do-it-yourself books, documents, and software.

Regain your financial freedom and fix your credit report with this pair of books designed to help you take control of your personal finances, get a hold of your spending, and make sure that your credit report is accurate.
Struggling with debt? Find solutions here.
Pursue your rights: put your demand in writing, and order the collection agency to leave you alone.
This letter helps you settle an outstanding debt with a creditor for less than the full amount owed.

Nolo offers hundreds of consumer-friendly, do-it-yourself legal products for all types of legal situations. Browse our full product list.

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Learn About Our Team

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Learn more about the team that manages Nolo’s articles, books, and DIY tools.

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