Keep a roof
over your head and your mortgage out of default by paying your rent or home
loan, homeowner’s insurance, association fees, and property taxes.
Pay heat, electric, and water bills to prevent shut-off. If you have trouble paying, contact providers about assistance programs & eligibility. Cancel or ask for a temporary suspension of all unnecessary services such as cell/land line telephone, cable/satellite television, and internet, etc.
Stay healthy with
nutritious home cooked meals. Tips: plan your meals, shop with a list, avoid
restaurants, clip coupons, shop sales, and use local community food programs.
your health with medical and prescription care. Ask your medical provider about
prescription drug discount programs, reducing healthcare costs, and payment
Vehicle insurance premiums
tend to be less costly if there are no lapses. Contact agents to compare quotes,
examine coverage needs, deductible changes, and to check on discount
repossession by keeping up on payments where an asset is pledged as collateral. Ask the lender if you can pay interest only
or skip a payment or defer payments to the end of the loan.
STUDENT LOANS AND TAX PAYMENTS
Take action by contacting
your student loan lender about special payment arrangements to avoid or cure
default. And if you owe State or Federal
taxes, each offers tax resolution & repayment plans.
debts include credit cards, signature loans and personal loans where no
collateral is involved. Collection calls
may result, but until your finances improve these creditors may have to wait
for payment until the other basic living needs are covered.
LSS Financial Counseling (888) 577-2227 To Discuss Debt Management Strategies & Mortgage
Foreclosure Prevention Options.