When should you refer an individual who can only pay certain bills?

Referring an individual who can only pay certain bills to a licensed attorney for legal advice is appropriate when there are potential legal implications related to their financial situation. This could include issues such as the possible inability to meet financial obligations leading to legal actions from creditors, or concerns about bankruptcy filing. A licensed attorney can provide informed and specialized guidance regarding these legal rights and obligations, which can be crucial for someone who is struggling with bill payments.

While consulting a financial advisor for budgeting tips or a debt relief organization for free counseling can also be beneficial for financial management or negotiating debts, these do not directly address any legal issues that may arise from the individual's situation. Similarly, reaching out to creditors may help in negotiating repayment terms but does not resolve any legal aspects. Thus, when there are legal questions or potential actions involved, a licensed attorney is the most qualified to provide the necessary advice.