Behind on bills? Start with this checklist

Today

1. Write down every bill.How much, when it's due, and any shutoff, late or court date.
2. Find the most urgent one.A shutoff notice, eviction papers or the car you need for work come first.
3. Dial 2-1-1.It's free and open 24/7. Ask what help your county has for rent, utilities and food.
4. Got a shutoff notice? Call the utility before the date on it.Ask for a payment plan, and tell them if someone at home is seriously ill, elderly or has a disability. See what to do about a shutoff notice.

This week

1. Apply for energy bill help.Call 1-866-674-6327 to find where to apply. Here's how to apply for LIHEAP.
2. Apply for SNAP and Medicaid if you might qualify.Less spent on food and doctor bills means more for the rest.
3. Ask about Lifeline.A monthly discount on one phone or internet bill. See if you qualify.
4. Call every company you can't pay in full, before the due date.Ask for a payment plan or hardship program and to waive the late fee. Write down who you talked to and what they agreed to.
5. Behind on rent?Talk to your landlord in writing, and never ignore court papers. Read what to do if you're behind on rent.

Can't pay everything?

Pay housing, utilities, food and medicine, and getting to work first. Then call the rest. Here's which bills to pay first, and why.

Find help in your state

See programs and phone numbers for all 50 states and Washington, DC.