I have been unable to work for 3.5 years due to a work related injury. Workers Comp has stopped my benefits twice. I have credit cards I haven't paid on for over a year and have been sent to collection. How do I get these creditors to work with me to (hopefully reduce and) get my debt paid off?
Thank you



Thank you for your question. I have asked one of our CERTIFIED FINANCIAL PLANNERS to weigh in on your question since they are the experts! They answer the questions posted in the Financial Advice & Planning Page


I wish you the best of luck!


Sorry to hear about your situation. If you're struggling, The first step is typically to contact your creditors. In this case, it may be too late, but it wouldn't hurt to reach out to them directly to see if they can work with you to find a solution.  If not, I would find a credit counselor associated with the National Foundation for Credit Counseling (www.nfcc.org) and let them help you may out a plan.  Generally, they will do this for little or no cost. Good luck!



Thank you.