Helpful sites that promote the national agenda for financially responsible behavior.

If the "buy now-pay later" way of life has left you facing a mounting pile of bills each month, you're not alone. Today, millions of Americans are having difficulty paying their debts.

Most of those in financial distress are middle income families with jobs who want to pay off what they owe. NFCC has helpful sites that can help them get started on their journey to being debt-free: www.DebtAdvice.org and www.MortgageHelpNow.org.

If you are having financial problems, it is important for you to act now before those problems get worse. Doing nothing can lead to much larger problems in the future -- even bigger debts, the loss of assets such as your house, and a bad credit record. The good news is that there are solutions. There are ways to help improve your relationships with creditors, reduce your debts, and help you manage your money.