It happens to all of us. You go on vacation and use your debt management counseling can help you. Of course you'll have to take a hard look at your budget and decide where you can cut back. Maybe you'll have to brown bag your lunches for awhile or give up your morning coffee but in the long term it will certainly be worth it. You'll sleep easier knowing that your creditors won't be calling demanding payment at all hours of the day and night. Debt management means that you have a company negotiating with your creditors that shows them you're serious about managing your debt.
You also might consider consolidation loan. You could possibly end up with a lower monthly payment overall which can give you a bit of breathing room. Consolidation loans can be available even if you don't own your own home. There are other financing programs available as well.
Don't ignore your debt problems they won't go away by themselves. Take action now. The longer you wait the worse the situation can get.
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