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==''Where do I start?''==
To deal with a debt problem, you first need to work out how much money you owe.To do this, make a list of all the people and companies you owe money to ('''your creditors'''). You need to collect this information for each debt:
==''What do I put in my budget?''==
The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.
==''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?''==
'''Write a short letter to each of your creditors'''