I can’t afford to pay my debts. What should I do? (NYC)

1. Stop using credit cards.
2. Figure out whether you can afford to make lower payments. 
3. Visit a Financial Empowerment Center and meet with a financial counselor. 
4. If you only receive government benefits, your income may be exempt from collection. 
5. Call each of the credit card companies, keep notes, get a copy of the agreement. 

Click below to learn more about what can happen and how to understand your situation and rights.