The first and most important step to dealing with money problems is to decide that you need help. We often believe that we can “deal with it on our own”, but that may not be true. As Dr. Phil would say, “How’s that working out for you?”
If you are falling behind on your bills, and if your stress level is increasing, it’s probably time to ask for help. Start by using our free, on-line, 10 second debt options calculator. Once you know your options, you can determine where you should go for help.
There are options, but you need to take the first step and decide that you want a fresh start.