Which debts to pay first
When you cannot pay everything, the order matters.
Secured and essential debts
Rent or mortgage, utilities and car loans for a car you need are usually first, because missing them can mean losing your home, service or car.
Taxes and court-ordered payments
Taxes, child support and court fines can carry serious consequences, so contact the agency if you cannot pay.
Unsecured debts
Credit cards, medical bills and personal loans usually come after essentials. Call to ask about hardship options instead of skipping silently.
Do not let collectors set your order
Pay based on what protects your household, not who calls the most.