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When a bill is past due, it is tempting to take the first offer that promises a fast fix. A better first step is to list which expenses are most urgent, then look for help through official channels before paying a company that says it can erase debt.
Start with official hardship resources
USAGov's financial-hardship page points readers to federal and state assistance for food, housing, utility costs, health coverage and other needs. Programs have different eligibility rules, funding and application steps. Use the official page to find the relevant program and its administering agency rather than assuming that any particular benefit will cover an overdue bill. If an immediate deadline is involved, contact the provider or agency directly to ask what options exist; do not assume a web application will pause collections.
Source: https://www.usa.gov/financial-hardship
Ask what credit counseling costs
The FTC says a reputable credit-counseling organization should provide free information about its services before you describe your finances. It should take a careful look at your situation rather than promise a one-size-fits-all fix. A credit union, university, community college or military personal financial manager may offer low-cost counseling. Ask for all fees and what service you receive before you enroll.
Source: https://consumer.ftc.gov/consumer-alerts/2026/03/looking-debt-relief-heres-how-avoid-scam
Spot the debt-relief warning signs
The FTC warns about companies that demand upfront payment before settling debts or placing you into a debt-management plan, guarantee that all debts will be settled, or promise fast loan forgiveness. Do not share personal or financial information in response to an unexpected text or call pitching a quick settlement. Verify the identity of a provider through independent official contact information.
Source: https://consumer.ftc.gov/consumer-alerts/2026/03/looking-debt-relief-heres-how-avoid-scam
This article is general information, not individualized financial or legal advice. If you face a lawsuit, eviction, foreclosure or imminent shutoff, seek local qualified help promptly; the deadlines and protections depend on the facts and jurisdiction.
Editor review: Check program links and eligibility in the current USAGov page before publication; preserve the FTC's narrower scope on upfront-fee language; add jurisdiction-specific hardship programs only with primary sources; review any legal deadlines separately.