Behind on payments? Start here.
If you're already missing payments or getting collection calls, a budget isn't your first step. Talk to a nonprofit counselor. These services are free or low cost, and they aren't lenders.
United States
NFCC (National Foundation for Credit Counseling). A network of nonprofit credit counseling agencies. Find one near you, or call.
Find a counselor Call 800-388-2227Canada
Credit Counselling Canada. A national group of nonprofit credit counselling agencies, listed by province.
Find a counsellor Call 1-866-398-5999United Kingdom
National Debtline. Free, confidential debt advice from a charity.
National Debtline Call 0808 808 4000StepChange Debt Charity. Free debt advice online or by phone.
StepChange Call 0800 138 1111Australia
National Debt Helpline. Free, confidential financial counselling by phone or live chat.
National Debt Helpline Call 1800 007 007A word of warning
Some companies use names that sound like these but charge big fees, or sell debt settlement that can hurt your credit. Use the links above, or check that a counselor is a nonprofit before you sign anything.
Once you're back on track, the workbook, the printable card and the app are free.