Pretending to yourself and others that you have no money problems will not make it easier. Open discussions among the family about spending will help everyone realize that cutting down is a must until your debts are paid. Use the attached chart to list the creditors you owe. If you need financial counseling assistance, Consumer Credit Counseling Service can provide free, confidential budget, credit, and housing counseling. The counselor can set up a debt management plan to repay creditors.
Telephone counseling is available.
The University of Georgia and Ft. Valley State University, The U.S. Department of Agriculture and Counties of the State Cooperating. The Cooperative Extension Service offers educational programs, assistance and material to all people without regard to race, color, national origin, age, sex, or disability. For large print, taped or brailled editions of this publication, contact the author. The University of Georgia College of Agriculture and the U.S. Department of Agriculture cooperating.