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It also covers prioritizing payments during tight months and provides step-by-step directions for reviewing credit reports, responding to debt collectors, and managing student loans, along with resource cards and recommended information-handling precautions.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":16,"@type":70,"position":76},"https://docshare.wps.com/template/resumes/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/debt-getting-in-your-way-get-a-handle-on-it/281170/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/debt-getting-in-your-way-get-a-handle-on-it/281170.png","ImageObject",442,249,{"name":88,"@type":89},"Emma Wilson","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-17","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":79},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What is the CFPB and why did it create these tools?","Question",{"text":108,"@type":109},"The Consumer Financial Protection Bureau is a government agency created in 2010 to help people make better financial decisions and support fair practices by banks and lenders. 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We want you to have the information you need to make good financial decisions for yourself and foryour family.  \nWe’re here for you. We are a government agency that was created in 2010 in response to the financial crisis.  \nWe’re taking action. We work to make sure banks, lenders, and others operate fairly.  \nWe’re committed to you. Weare committed to helping people enjoy safer, better financial lives.  \nConsumer Financial Protection Bureau  \nWhat debts do I owe?  \nDEBT LOG  \nWhat can I do to reach my goals?  \nDEBT ACTION PLAN  \nWhich debts do I prioritize in tight months?  \nPRIORITIZING DEBT PAYMENTS  \nYOUR MONEY, YOUR GOALS  \nHow do I check my credit report?  \nCREDIT REPORT  \nTools if debt is getting in the way.  \n8  \nHow do I respond to a debt collector?  \nDEALING WITH  \nDEBT COLLECTORS  \nHow do Ideal with my student loans?  \nSTUDENT LOAN CHECKLIST  \nHow do my expenses change during the year?  \nSEASONAL SNAPSHOT  \nWho else can I turn to for help?  \nRESOURCE CARDS  \nThe Consumer Financial Protection Bureau (CFPB) has prepared this material as a resource for the public. This material is provided for educational and information purposes only. It is not a replacement for the guidance or advice of an accountant, certified financial advisor, or otherwise qualified professional. The CFPB is not responsible for the advice or actions of the individuals or entities from which you received the CFPB educational materials. The CFPB’s educational efforts are limited to the materials that the CFPB has prepared.  \nThese tools may ask you to provide sensitive information. The CFPB does not collect this information and is not responsible for how your information may be used if you provide it to others. The CFPB recommends that you do not include names, account numbers, or other sensitive information and that users follow their organization’s policies regarding personal information.  \nThis booklet references third-party resources or content that consumers may find helpful. The inclusion of links or references to third-party sites does not necessarily reflect the Bureau's endorsement of the third-party, the views expressed on the outside site, or products or services offered on the outside site. The Bureau has not vetted these thirdparties, their content, or any products or services they may offer. There may be other possible entities or resources that are not listed that may also serve your needs.  \nIs debt getting in the way of your goals? My debt picture can help you find a start.  \n􀃃 Look at the board.  \n􀃄 Use a pen or highlighter to circle the debts you have.  \n􀃅 Put a star on those that concern you the most.  \nWhat is debt?  \nDebt is money you owe. Whether you took out a loan, used a credit card, or got behind on a bill payment, it’s debt.  \nWhen debt feels like a barrier to your goals it can be hard to face, but it’s important to remember that you’re not in it alone.  \nThese tools can help you take the first step  \nYou can:  \n• Use them in any order.  \n• Capture a picture of what you owe, decide which debts to pay first, or set some new goals.  \n• Use them to help get a handle on your payments and cut down on stress from growing debt.  \nThe small steps you choose to take can lead to big changes. You can fix this; we can help.  \nYou can find other helpful tools in the “Behind on bills? Start with one step” booklet or the full “Your Money, Your Goals” toolkit at [cfpb.gov/your-money-your-goals](cfpb.gov/your-money-your-goals).  \nStudent loans  \nMortgage  \nPast-due rent  \nGambling debt  \nCredit card debt  \nBack child support  \nAuto title loan  \nFriends & family  \nDebts in collection  \n􀂼  \nPast-due utilities  \nInstallment loan  \nLine of credit  \nMedical debt  \nBack taxes  \n􀁨  \nPayday loan  \nPast-due fees & fines  \nAuto loan  \nDEBT LOG  \nWhat debt","cbCaipuTTy35ggqH","https://ap.wps.com/l/cbCaipuTTy35ggqH","pdf",802425,22,"English","# Your Money, Your Goals\n## Who is the CFPB?\n## What debts do I owe?\n## What can I do to reach my goals?\n## Which debts do I prioritize in tight months?\n## How do I check my credit report?\n## How do I respond to a debt collector?\n## How do I deal with my student loans?","[{\"question\":\"What is the CFPB and why did it create these tools?\",\"answer\":\"The Consumer Financial Protection Bureau is a government agency created in 2010 to help people make better financial decisions and support fair practices by banks and lenders. The booklet is provided as an educational resource for the public.\"},{\"question\":\"What is a DEBT LOG and what should I collect to use it?\",\"answer\":\"The DEBT LOG helps you see a full picture of your debt payments, track payoff timing under your plan, and identify when payments are due. You’ll typically use loan statements and your credit report to fill in monthly payments, due dates, balances, and interest rates.\"},{\"question\":\"How should I respond if a debt collector contacts me?\",\"answer\":\"Use the booklet’s guidance on dealing with debt collectors and consider visiting the CFPB debt-collection resource. The tool also emphasizes not sharing unnecessary sensitive information beyond what is required.\"}]","Debt Getting in Your Way - Get a Handle on It | PDF",1789564675,8]