Several different options could help sort out your financial problems when bills start to stack up, and up, and up, and you just can't afford pay them off. You could set up a debt payment plan and force yourself to stay in line with it (the best option.) If you aren't mature enough to follow a plan alone, seek out the help of a credit counseling service, or debt consolidation service (the second best option.) You could also go the lowest common denominator route, a court provision, such as bankruptcy, to handle your credit obligations (this should be your very last choice!).
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