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Credit allows millions of consumers and companies the ability to purchase and benefit from products and services they otherwise couldn't afford.

Maintaining good payment habits is not only morally correct, but insures the ability to continue to purchase on credit.

Unfortunately, circumstances such as loss of income or illness can impact the ability to pay obligations on time. When this happens it's important to work out your obligations with the businesses you owe money to; or their collection agent. The last thing you should do is ignore your obligations!

If you cannot meet your obligations to the satisfaction of your creditors, contact your local Consumer Credit Counseling Service (affilated with the National Foundation for Credit Counseling, NFCC). This national organization can help you set up a budget that will work. Consumer Credit Counseling Service's National Toll Free # is 800-388-2227. You can also visit their website at

The important thing is to take positive steps to solve your debts!

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