Loans and installment borrowing
Identify the exact product and signed terms before comparing payment approaches.
Personal loans
Put the loan agreement beside the current balance before comparing a payment change, repayment or consolidation. Start by checking whether the paperwork names collateral, another borrower or a guarantor; this checklist does not decide their legal effect.
Explore Everyday borrowingStore cards
Collect the card statement, the store purchase record and any financing promotion in one place. If the card payment is becoming unaffordable, prepare to contact the issuer shown on the statement about what you can pay.
Explore Everyday borrowingBuy now, pay later
Build a separate row for each purchase plan, even when several appear in the same app. This preparation page helps you match the purchase, refund history, payment schedule and claimed balance before comparing what to do next.
Explore Everyday borrowingPayday and high-cost loans
Start with the signed agreement and a dated record of money received and payments taken. Keep any automatic-payment authorization alongside the loan papers so you can prepare precise questions about the claimed balance and future withdrawals.
Explore Vehicle and propertyVehicle title loans
Start by matching the title-loan agreement to the vehicle and the balance being claimed. Gather payment authorizations and notices separately so questions about the vehicle, the debt and withdrawals can be reviewed together.
ExploreA notice can change the immediate task.
If legal papers or a notice about losing housing or an asset has arrived, read the exact papers and seek the applicable help promptly.
Start with an urgent notice →Get help with your debt
Tell us what you owe and what kind of help you are looking for.