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You don't have to hold the buck anymore. Having debt is sometimes bad luck and bad timing. Contact us today; we can change your luck!

How can I work with my creditors to get the bills paid off?
I don't know what kind of creditors you are dealing with, but the steps to dig yourself out of debt should apply to most of them:

Make getting your financial house in order a high priority, and understand it's going to take time, energy and organization. That's the only way to 'remove my debt'.

Make a file folder for each creditor containing the following:
-- The bills.
-- A record of the dates and amounts paid on the bills.
-- A log of every contact you make or attempt to make regarding the debt, including date and time; name and title of person contacted; nature of contact (whether you talked on the phone or left a message on a machine); summary of conversation.

Set up a master list of everyone you owe money to. Include the name of the lender, the amount, the interest rate and the minimum monthly payment.

Determine how much after-tax income you will have from your job and what your bare-bones living expenses are, not counting the debt. Include amounts you need to put aside each month to make quarterly or annual payments, such as insurance and taxes, and a little cushion for any expense you may have forgotten to write down. The difference between what's coming in and what's going out is what you have to pay your debts.

Estimate what you can pay to each lender.

Contact each lender, explain your situation, apologize for the late payments and state how much you can afford to pay each month. Put all agreements, negotiations and offers in writing.

If most of your debt is with credit cards and departments stores and so is unsecured, and you're batting zero in your attempts to deal with those lenders, a visit to your local Consumer Credit Counseling Services might help. There's no charge for an initial consultation, so it doesn't hurt to talk to them.

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