When your income drops and you realize you cannot pay all your bills, you must face your debts and communicate with the people whom you owe money — your creditors. This fact sheet, part of the Cómo arreglárselas cuando no tiene trabajo series, provides strategies for assessing your situation, contacting your creditors and negotiating with them, and resources for additional help if your efforts fail (6 pages; 2006).
This publication is also available in English as Managing Between Jobs: Talking with Creditors (B3459-04).