Action centre.
Choose what is happening now. Each route connects the right checklist, tool, letter, and official resource.
Received court papers
Court deadlines can be short. Record the date, preserve all pages, and seek legal help.
Open action path →Collector is calling
Verify identity, record the call, and avoid making an unplanned payment.
Open action path →Do not recognise the debt
Request identifying information and check for identity theft or mixed files.
Open action path →Need a settlement offer
Calculate affordability, draft a conditional proposal, and request written terms.
Open action path →Cannot afford essentials
Prioritise essential bills and use free nonprofit or legal help.
Open action path →Tax debt
Use official tax-agency resolution routes; ordinary settlement templates may not apply.
Open action path →Possible scam
Preserve evidence, verify independently, and report deceptive conduct.
Open action path →Old debt
Do not restart or acknowledge an old account without understanding applicable limitation rules.
Open action path →Wages or bank account affected
Treat this as urgent and seek state-specific legal help.
Open action path →Ready to rebuild
Move from crisis planning to budgeting, savings, records, and credit recovery.
Open action path →