Thousands of people all over the country face serious debt. These people get hounded with several phone calls by bill collectors every single day. While you may not be in this severe level of debt just yet, if you don’t take some corrective action you may find yourself there, but you do have a few options.

The first is to get a loan that consolidates your debt. These are special loans offered by companies that will assume all your debt. It’s nice since you only have to make one payment each month instead of several smaller payments. This also helps since you will stop getting negative reports towards your credit score.

The other option, for a more short-term problem is to take out a payday cash loan. A cash advance payday loan is a top of small loan offered by local companies and national chains. All you have to do is visit one of these outlets and show them that you have a job, and using past pay-stubs show what your regular income is. They will then give you a loan of a few hundred dollars to take car of bills, or whatever you need and charge you a small fee plus the money they loaned you.

No matter what you choose, also consider visiting a financial adviser to help you create a budget to live within your means, so this type of scenario never occurs again.