When it comes to financial stability, the economy isn’t out of the woods yet, and neither are many Americans. If you’re struggling to pay your bills every month, or finding that you have debt you simply can’t get out from under, you have options. From contacting creditors yourself to getting help from credit counseling agencies, learn how to get your financial act together: Nolo’s new Dealing with Debt: An Overview of Your Options article is a great place to start.

You can also get tips on what to watch out for when it comes to the “too good to be true” promises of some companies that are offering consumer a personal financial bailout: Nolo’s new Debt Negotiation Firms and Debt Management Plans articles offer an important word of caution to consumers.