HappyFiscal Friday!
Okay, it's not a real holiday, but it is a financial tip. If you have debts looming over your head, it's better to know what's coming your way than to avoid it, so for your fiscal Friday tip this week, call your most pressing creditor, if you have one, and open a dialog with them.
You might not hear the answers you want, more than likely you won't, but at least you will know where you stand. Don't promise to pay money you don't and won't have, but do let them know, calmly, that you are not trying to stiff them, you just don't have it.
Some of them wil be nice, and some will be nasty and pushy. Brace yourself before the call, and know how much, if anything, you will be able to pay them and when.
If this does not offer any solace, try a credit counseling service, but check out their better business bureau ratings before you commit or sign anything, because some of them are scams and will leave you in a worse situation than you were in when you started.
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