I’m Drowning in Debt. Now What?: What to Pay First, Can Wait, and How Get Back on Your Feet

When the bills are piling up, the late notices keep coming, and you are no longer sure what to pay first, debt can make every decision feel urgent. I'm Drowning in Debt. Now What? is a calm, practical guide for people who feel overwhelmed by credit cards, collections, overdue bills, medical debt, car payments, taxes, student loans, lawsuits, and the constant pressure of not having enough money to cover everything. Caroline Prescott walks you through the situation one step at a time, in plain English and without judgment. Inside, you'll learn how to: - decide what must be paid first and what can safely wait- protect your housing, utilities, transportation, insurance, and other essential needs- figure out exactly what you owe and where your money is going- talk to creditors and collectors without making promises you cannot afford- understand hardship programs, debt management, consolidation, settlement, and bankruptcy- handle collection letters, lawsuits, garnishment, and other serious debt problems- avoid costly panic decisions involving retirement money or home equity- rebuild a small emergency cushion and begin repairing your credit- create a simple money system you can actually live with- follow a practical 90-day plan to start getting back on your feet >It is a book about knowing what to do next. If you have been avoiding the mail, losing sleep over money, or wondering how you are ever going to get control again, this book will help you slow the problem down, understand your options, and begin making clear decisions one step at a time. You are more than what you owe. And wherever you are starting from, you can begin there.