Having Trouble Paying Your Bills?
By Nicholas Ulehla
1) First you should contact your creditor and explain why you could not make the payment.
2) Never tell your creditor that you cannot pay, just tell what you can pay.
3) Keep any promises made and a written copy.
4) Try to work at a debt repayment plan to help reduce debt for a more manageable plan.
-They will discuss actions and suggestions to eliminate credit difficulties.
-National Foundation of Consumer Credit and Consumer Credit Counseling Service(CCCS)
-Both are non-profit counseling services.
-It is a legal process of reducing or eliminating an amount owed.
-It should be the final step if everything else failed.