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I have a lot of debt, what should I do? Avoid opening your mail, calls from creditors and paying your bills. Contact a Consumer Credit Counseling organization. File for Bankruptcy. Apply for more credit cards to help pay your bills.

Good Idea… Consumer debt in the U.S. is at an all time high – you are not alone. There is help. Please try again.

Filing for bankruptcy is a major decision and has long term implications for your financial future. Filing for bankruptcy is an option, but it can cost money too and is not something that should be entered into lightly. Discussing this decision with a certified counselor is a better option. Please try again! Not Quite…

Wrong…. Applying for and using additional credit cards to pay your already existing debt only creates more debt. You know there’s a better answer, so try again!

CORRECT!!! If you have existing debt, are not able to pay your bills and are unsure of what to do – Ask For Help. Consumer Credit Counseling Organizations offer assistance at no or minimal cost and are staffed with trained staff that advise you about managing your money, offer solutions to current financial problems and help you create a Debt Management Plan to help you get out of debt. To learn more, visit the National Foundation for Credit Counseling to locate a Consumer Credit Counseling service near you: 30-Second DPN Trainings are a National Disability Program Navigator collaborative effort