The bills keep piling up. Money going out is exceeding money coming in and you are in financial trouble, perhaps for the first time in your life. You should not become paralyzed by your situation, which will only make matters worse. But what should you do? The good news is, you do have options.
Initial steps to takeYou must be realistic about your current situation. That means you and your spouse must sit down, list all your debts and what the minimum payments are, along with what the due dates are. Next, you need to start calling creditors to
