Are you unable to pay your bills? Pick up your phone and call your creditors; you will be surprised at goodwill most creditors and collectors give persons who bothers to pick up phone and make an agreement.You should not loose your night sleep or turn into a nervous wreck because of your inability to pay some bills. In most cases you do not even need help from others to solve problems, a phone call to bill collectors is usually enough. Yes, you will feel embarrassed when you call some stranger and tell them that you are unable to pay your debt and you will most likely feel like a beggar. The short moment of embarrassment is however, a low price to get your financial issues straightened.
Here it was you should do. Find your invoice that you are unable to pay, if you have more than one invoice and are unable to pay all of them, choose invoice with lowest amount. Find phone number to invoice issuer, you will most likely find phone number at invoice, and call it. One important notice: you will most likely be transferred between two or more people before you reach someone who can help you. Be prepared to explain your situation more than one time and be prepared to be waiting on hold for a long time. Surprisingly many people give up because of these small, maybe irritating, details. Do not give up; explain, wait, repeat, wait, etc. Accept that this is how it works and don not get frustrated, your mission is too important.
When you finally reach someone who has authorities to help you, be humble. Explain person that you have some economical difficulties this month and that you are unable to pay your debt. Note that you will have a much stronger case if you are able to pay some of your invoiced amount immediate. Here are some of possible outcomes of your conversation: