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They can tell you if any consumer complaints are on file about the firm you're considering doing business with.

The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

If you’re thinking about getting help to stabilize your financial situation, do some homework first.

Find out what services a business provides, how much it costs, and how long it may take to get the results they promised. Get everything in writing, and read your contracts carefully.

Other lenders may agree to change the terms of the mortgage by extending the repayment period to reduce the monthly debt.

Ask whether additional fees would be assessed for these changes, and calculate how much they total in the long term.

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