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.
If you fall behind on your mortgage, contact your lender immediately to avoid foreclosure.
Most lenders are willing to work with you if they believe you're acting in good faith and the situation is temporary.
Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest.