You can avoid overpaying by knowing which tax breaks you could take advantage of, but you have to pay what you owe.

你可以能过能利用的税额优惠来避免过多的支付税款，但是你欠的必须支付。

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The creditors you owe can take assets from what is left in your estate, but they cannot force family members to pay out of their own pockets unless they co-signed the debt.

除非家庭成员与您共同签署债务合同，否则债权人无权要求他们用个人财产偿付您的债务。

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We just laid off 10% of our work force, and we are unable to pay you what we owe you at this time.

FORBES: Magazine Article

Whether you are a member of this group or have debt remaining from other expenses, the ability to pay down what you owe without worrying about interest could certainly make the holidays less stressful.

FORBES: Using Plastic for Holiday Shopping Can Save You Hundreds of Dollars

Pay down as much of your credit card debt as possible and avoid closing credit cards because what matters is the amount you owe as a percentage of your total amount of credit.

FORBES: 10 Steps to Repair, Rebuild, and Protect Your Credit