Introduction
In this credit and consumer lead technological age anyone can find themselves facing debt and financial problems for many different reasons.
Figures show that more and more people are facing debt and insolvency problems with the trend likely to continue. With this we have seen a rise in the fee charging Debt Management and Advice Industry, all out there ready and waiting to "help & advise" you with your debts and often claiming that their services are free.
People with financial problems often find themselves in a vicious circle with debts spiralling out of control, not knowing what to do or who to turn to. Debt can completely take over people's lives to the extent that is all that they think and worry about day and night. The implications of debt and money worries can have a devastating effect on health, housing, employment and families.
If you have debt problems, try to stay calm and don't ignore them. Get advice on your options as soon as possible, preferably from a free independent agency like CAB. There are solutions and help is available.
As finance and debt now seems to be a way of life, we would encourage anyone to educate themselves on these subjects, with our help if necessary. Don't be frightened, the more knowledge you gain, the more confident you are likely to become at solving your problems. We have designed this guide and help pack with this in mind and sincerely hope that it can be of some assistance to you.
Next: Priority Debts