A debit is due soon
Check the amount and date. Ask the lender about a written payment plan.
Read the CFPB repayment stepsPayday and tribal loan resources
Start with the problem you need to solve.
Use the first section for an urgent next step. Then compare longer-term options before you agree to a new loan or paid service.
BetterRelief.org editorial team ·
If this is urgent
Pick the problem in front of you.
These links go to government or nonprofit help.
A collector contacted me
Ask who owns the debt, what you owe, and how to dispute an error.
Use the CFPB debt collection guideI do not know this debt
Do not share bank details until you confirm the lender and debt.
Report possible identity theftI received court papers
Do not ignore the date. A legal aid office may help you respond.
Find legal aid near meI want to check a lender
Use the lender's legal name and contact your state regulator.
See how to check a lenderI am a servicemember
Military legal assistance can explain rights that may apply to your loan.
Find military legal helpBetterRelief.org guides
Read only what fits your question.
01
How to get out of payday loan debt
Compare payment plans, consolidation, counseling, settlement, and legal help.
Read the payday loan guide →02What to check about a tribal loan
Find the key terms, check the lender, and understand which legal questions need help.
Read the tribal loan guide →03How the loan review and program work
See each role, step, fee question, and settlement risk before you decide.
See how it works →04Answers to common program questions
Read short answers about fit, cost, timing, credit, and privacy.
Read common questions →Compare your choices
Five paths to check.
Lender payment plan: Ask the lender for more time and the full cost.
Consolidation loan: Compare APR, fees, term, total payments, and collateral.
Credit counseling: Ask which lenders take part and what the plan costs.
Debt settlement: The creditor can refuse, and collection or legal action may continue.
Legal or bankruptcy advice: Use it for court papers, disputed debt, or a wider debt problem.
Official help
Go to the source.
Debt and collection toolsConsumer Financial Protection BureauSubmit a financial complaintConsumer Financial Protection BureauWays to get out of debtFederal Trade CommissionFind your state consumer officeUSA.govFind legal aidLegal Services CorporationFind approved credit counselingU.S. Department of Justice
Your next step
Want a loan review instead?
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