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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 of the booklet provides information on where to get help and how to communicate with the people you owe money to.
It is a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.
==''What do I put in my budget?''==
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?''==
If you speak with any of your creditors about your situation, write down their name, number, the time of call, and what you discussed.If the person you were talking to suggests a payment plan, ask them to send it to you in writing.
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Sometimes the person you owe money to has turned the debt over to a debt collection Agency.