10/26/2026
1️⃣ You're struggling to make minimum payments on your debts.
2️⃣ Debt collectors are calling frequently.
3️⃣ You're relying on credit cards to cover everyday expenses.
4️⃣ You're facing foreclosure, repossession, or wage garnishment.
5️⃣ Your debt feels impossible to manage on your own.
You don't have to wait until your financial situation gets worse to ask for help.
