Your bills can start to get the better of you quickly in this economy.   When you start to think you’re paying out more money than you have, it’s a frightening feeling.   This can happen for a variety of reasons, but once you’re in the situation you’re probably less concerned with how you got there than how to get out.   The most important thing to remember is not to ignore your bills.   Take action before the problem gets bigger than you can handle.   The more you ignore your bills, the harder it will be when you finally have to face them.   So, even if you don’t have the ability to pay right now, don’t just ignore them. Facing Your Bills In order to face your bills, you need to start off by being seriously examining how much you pay out each month.   If you’ve never before made a list of all the bills you have to pay each month, do that now and add the amounts all together.   Often, seeing this number for the first time can be a shock. If you are shocked, then you’ve just taken a major step toward understanding you financial problems. Now you can start to take action to alleviate the problem.   If you continue to simply ignore bills you can’t pay, your creditors will begin to sell your debts to collection agencies.   Once this happens, things will only get worse.   Contact Your Creditors Talking to the people you owe money is always a better solution to your problem than ignoring what you can’t pay.   If they don’t hear from you, they have no idea why you’re not paying and have no choice but to assume you are trying to skip out of the debt.   Odds are you would pay the bill if you had the money, but there are enough people in the world who wouldn’t that they can’t afford to take that chance.   They have taken a financial risk, providing you goods or services or a loan off some kind that has resulted in you owing them money.   If you suddenly drop off the face of the earth, of course they are going to start pursuing you to try to recover their investment.   Many times, however, if you simply call them and explain your situation, they will be willing to grant you an extension or a forbearance while you get your affairs back in order.   Once you’ve done this, you should be able to come up with the money to start making payments again, either by cutting expenses or, if you are unemployed, hopefully getting a new job.   Either way, your creditors will appreciate you being honest with them. Once you have started making progress on getting your own finances back under control, your creditors will be glad when you start making payment on your debts again.   Keeping lines of communication open will help keep you from being reported to the credit bureaus for delinquency.   Make sure you stay on top of your debt by taking action now. Debt Settlement programs / Debt consolidation help / Bankruptcy debt settlement