Click on the links below to see which debts to pay first. If you can’t pay all you debts on time each month, there is a definite plan you can follow to ensure that you pay the most important ones first, and let the others go.

How you deal with debt collectors is explained here. I explain the process of collection that creditors typically follow, and how and when it gets to the point that your property or earnings are in danger.

Use the income and expense information and forms to carefully review your current financial situation. You may be surprised to see exactly how much you are paying, and exactly where you stand. I have had many tell me that they had no idea how bad their situation was until they put it down on paper.

Don’t waste time feeling guilty about considering bankruptcy as an option. Read about how one of the founding fathers of our country felt about using bankruptcy relief to keep moving forward.

Choosing Which Debts to Pay First

Even Thomas Jefferson Filed Bankruptcy

Responding to Debt Collectors

Income and Expense Worksheets