Date of this Version



© 1983, The Board of Regents of the University of Nebraska on behalf of the University of Nebraska–Lincoln Extension. All rights reserved.


At some time, almost everyone gets behind in paying a bill. This publication offers suggestions about how to deal with creditors during those times.

The Problem

Due to some unexpected event, you are behind on your bills and don't expect to be able to catch up in the next month or two. You may have lost your job, or have had large medical bills.

You make promises to pay you can't keep; checks bounce, or you receive threats from creditors (people to whom you owe money) that they will sue or turn the account over to a collection agency.

Your income isn't enough to pay all the bills.