Unexpected bills can be stressful and challenging. If you have had too many of them and your credit card bills are stacking up or you have not been able to pay them at all and now they are in collections, there are some options to help ease the stress and get your out of debt.
If you put the unexpected bills on credit and are now drowning in minimums and credit card interest, you may want to consider a debt consolidation loan. This will give you one payment to make each month, instead of multiple minimums, and you will have the opportunity for a lower interest rate.
If you have not been able to pay the unexpected bills or you put them on credit and were not able to pay them, then debt negotiation can help you. This option is only for accounts that are already in collections and is owned by a third party debt collection agency. If this is the case then a debt negotiation company can help you by setting up a debt relief program for you. They agency will negotiate the amount you owe and help you set up an affordable payment plan to pay off the new settled amount.