1. Stop using credit cards.
  2. Figure out whether you can afford to make lower payments. 
  3. Visit a Financial Empowerment Center and meet with a financial counselor. 
  4. If you only receive government benefits, your income may be exempt from collection. 
  5. Call each of the credit card companies, keep notes, get a copy of the agreement. 

Click below to learn more about what can happen and how to understand your situation and rights. 

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Last Reviewed: May 24, 2023