What to do if unemployment benefits have ended and there are debts to pay off?

What type of debts you have? There are many options to get out of debt problem. In your case, credit counseling session will be best. Search online to find out an authenticate credit counseling agency in your area. They will guide you to learn how to manage consumer credit, debt payments, and a budget.

First of all you need to stay calm. Then, concentrate on making a emergency budget. your emergency budget must be designed to finance your essentials, not your luxuries. Next step would be creating a get-out-of-debt plan. minimize card uses and use emergency funds to pay off the debts on time. But do not make extra debt payments. If you run out of money to make debt payments, you might go back into debt soon.