Sometimes, even when we try our best, we are not able to pay all our bills. This may be due to a variety of reasons. People can fall ill, or lose a job, or have unexpected expenses, like a rent increase. This section provides information on where to get help and how to communicate with the people you owe money to.

For more information about debt collectors, contact the Credit Counseling Society online at [http://www.nomoredebts.org www.nomoredebts.org] or toll-free at 1-888-527-8999. Find more helpful information and links in the "[[Helpful Information and Links for Consumers|Helpful Information and Links]]" section.