List the due dates
Write down what is owed and when, and contact creditors before the deadlines.
A CLOSER LOOK
Understand the decision before you act.
If you cannot cover every bill this month, start by speaking with your mortgage servicer and the other creditors before a payment is missed. Understand how payment choices affect your housing and credit options.
Ask about hardship options
Your servicer can explain available repayment, forbearance, or loss mitigation paths. Get the details in writing.
Get qualified advice
A HUD-approved housing counselor or qualified adviser can help you compare choices without promising a refinance.
Keep the next step personal
Request a confidential review →No online guide knows every detail of your mortgage, other obligations, and state rules. Talk with the servicer and a qualified adviser before making a high-stakes payment decision.