If you are in debt and struggling, please get debt advice . The stress and worry can seriously damage your health.

Ignoring debt does not make it go away, it just adds to the problem. Your creditors are more likely to negotiate terms with you if you are up front and admit to having problems before they have to start chasing you.

The best advice for anyone with debt problems is to go to your local citizen’s advice bureau. Or find a professional company, that can help you arrange an IVA They have specially trained personnel who will help you to plan a viable budget and they will even help you to contact and negotiate with the companies involved.

Don’t hide your final demands and threatening letters, gather them up and make an appointment today. You will feel much better when you are back in control.