First, make a priority list. Ensure you have enough money for essential expenses, such as housing, food, and medicine, before paying other bills.

Second, explore your options for managing your debts in order of priority. Even if your situation feels overwhelming, there may be solutions. Here are some examples:

• Utilities. These are essential expenses, but many utility providers offer hardship programs. If you are struggling to pay your utility bill, contact your provider to learn about available options.
• Medical debt. Many hospitals have financial assistance programs that can reduce or eliminate medical bills. For example, a family of four earning less than $198,000 per year may qualify for assistance under certain hospital financial assistance programs. Even if you're struggling with debt from your private doctor, they may be willing to work out an affordable payment plan.
• Credit cards. If you have experienced financial hardship, such as job loss or a serious medical condition, you may qualify for a credit card hardship program. Contact your credit card issuer to ask about available options.

We can help you prioritize your debts and figure out where to start.