If you are struggling to pay your credit card bills, mortgage payments and other monthly expenses, you are not alone. Many people in Macon are also experiencing financial problems that interfere with their ability to make timely payments to their creditors. As burdensome and embarrassing as it can be for you to have credit card debt, your emotions may be preventing you from developing healthy financial habits. If you are currently working and earning income, you may be able to catch up on your payments. If not, there may be other options available.