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→What do I put in my budget?
If you have any money to spare, decide which debts are the most urgent ones, and which debts are less urgent. Pay off the most urgent debts right away. Then make a plan for how you are going to pay the less urgent debts.
==''What can the Credit Counseling Society do to help me?''== You may wish to contact the Credit Counseling Society for help in developing your plan to pay off the debts. You may also wish to write a letter to your creditors that explains what you have decided.You can contact the Credit Counseling Society online at [http://www.nomoredebts.org www.nomoredebts.org]. They will look at your finances with you, and suggest options. You can call them toll free at 1.888.527.8999.The Credit Counseling Society may be able to help you get into a debt repayment program to help you pay off your debt.
==''How do I contact my creditors and what do I say?''==