If you owe money but can't make your payments, Suze says you shouldn't dodge creditors. Instead, call them and try to work out a payment plan. "Don't duck the situation; don't feel like you are a bad person because this has happened to you," she says. "It is happening to everybody."
Personal finance expert and O, The Oprah Magazine columnist Suze Orman lists four ways to figure out if you can afford to lend a friend a financial hand.