The unemployment and underemployment situation for New Yorkers is not getting any better. This means that families across the state are still struggling with debt, potential foreclosure, and limited resources. To find out what assistance may be available to help you deal with your debt, first make a list of the different types of debt that you have. For example, the main types of debt are:- Consumer (credit cards, loans, etc)
- Housing (mortgage)
- Medical
- Education (student loans, etc)
Once you have identified the different types of debt you have, take some time to read about them and the different debt-relief options available for each. There are many resources on the consumer rights for New Yorkers where you can learn how to deal with debt collection, bankruptcy, foreclosure, student loans, credit repair, and more. There are also sample letters that can be used to tell a debt collector to stop contacting you or to dispute a debt. You can also find information on understanding credit and how to improve your credit score. To find more information on consumer issues of New Yorkers, click here