How to manage bills, from prioritizing debts to finding useful resources. If you're dealing with debt, first write down a budget of what you expect to spend on your expenses each month.Look at your bank and credit card statements. This guide will now provide you with information about how to determine whether the debt settlement process may be right for you. Free credit counseling and debt consolidation programs to qualified Illinois residents. Nonprofit help available on the phone or online. We may levy against your wages, salaries, bonuses, and commissions. Your employer must deduct up to 15 percent of the gross amount to pay your past due tax. "Debt settlement services are not appropriate for. everyone. In 14, enter your debts including credit cards and past due bills.