Managing financial affairs can be even more important in difficult times than in good times. Yet, it can be really uncomfortable acknowledging that you are having difficulties. It can be tempting to put your head under a pillow and wish it to go away. That is, of course, the worst possible strategy. If you fall behind on bills, you can take action to work with your creditors and minimize the damage to your finances and your credit score. Katie Borchers of Beyond Green Solutions explains what they are.