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Reasons to consider getting help with debt There are many different reasons that can lead to a drop in income, and you may be caught completely unprepared. Common causes include illness or injury, divorce, losing your job, birth of a baby or retirement. For more resources to protect your family welfare, read When Your Income Drops: Plan to Pay Creditors and Promoting the Health and Well-Being of Families During Difficult Times.

Your situation is not unique. Creditors hassling you at home and even at work. Ever increasing debts that you cannot service from month to month. This scenario is being played out all around us, and has happened to many a good person who never intended for a moment to get into this position. It feels like the end of the world, but the reality is that its not. It just feels that way.