Are you having a hard time paying your mortgage? Even if you’ve missed payments or you’re already facing foreclosure, you still might have options. You really do, but that’s the same thing scammers will tell you. Fortunately, there are ways to spot mortgage relief scams while you focus on saving your home.

Are you looking for ways to pay off credit card debt? Offers to help you cut down or wipe out your debt might sound like a perfect solution, but dishonest debt relief companies will take your money and do little or nothing to help. So how do you get real help and skip the scammers?

Trouble making car payments? Worried about repossession? Unexpected life events, like a job loss or drop in income, may affect your ability to pay your bills, including car payments. If you’re worried that you won’t be able to make your next car payment, take action as soon as possible. If you get behind on your payments, your lender could repossess your car — sometimes without warning. Read on to learn what to do.