Unsecured debts are the easiest debts to get caught in, these can be credit cards, cash advances, rent, utility bills, professional services such as legal or medical bills, personal loans, etc. Unsecured loans don’t have collateral, so if you use your credit card to go on a shopping spree that you don’t pay back, then you run the risk of your bank taking legal action to have their money returned. High priority debts are things like rent or mortgage, car payments, and utility bills – they’re any debts that could provide serious or even life-threatening consequences. Make sure you are always able to afford these payments and pay them on time. It is imperative that you communicate with your creditors if you are having problems paying. Always be honest. Sometimes you can negotiate a payment plan in order to catch up. You can also contact a nonprofit credit counseling agency to assist you in getting back on track, often at no cost.