Remember do not make the matter worse by ignoring your debts

Check how best you can sort your debts without getting into further financial difficulties, always get the unbiased advice

Never ignore your debts. You will make the matter worst.

If you own a property, please ensure that you keep up with the mortgage otherwise you may lose your home.

Ensure you keep up with your council tax, utility bills, fines etc to avoid legal action and any further debt problems.

Check how best you can sort your debts without getting into further difficulties. Obtain information from several different companies to ensure you are getting the right advice. If you are getting the same advice then you know you are on the right track.

Remember even when you are in debt, fee charging debt management companies want to earn money from you and will try and sell other products. Check out their charges and management fees. Ask how long they have been in the business, how many clients they have and any other general information that you may think will help you to make the right decision. Glorified website does not mean that a company is reputable.

If you own your property, check what is the market value. Be prepared as most companies you approach will ask this question. The reason they need to know the current market value of your property is to work out if they can offer you secured loan or a second mortgage.

If you consider secured loan or second mortgage. You must remember that you could end up losing your home if are unable to keep up with your mortgage, second mortgage or secured loan repayments. Your creditors may also put second charge on your property.

Keep contact with your creditors. Do not ignore their phone calls or communication. Reply straightway. Keep up to date records, file all documents methodically. Ignoring correspondence, telephone calls, communication is wrong and especially from the court. County Court Judgements in such cases are therefore issued by default. Please keep a note what you said and done.

If you change your address make sure that you up date your creditors with your current address. Be on the right side. Prove them that you are not ignoring the matter and doing everything right to solve your financial problems.

Check if you are entitled to any benefits, claims or tax rebate.

If your offers of payments are accepted then you are perusing the matter correctly. If your offer is rejected, do not get dishearten. Call the creditor, there is no harm in asking for clarification, it may be an oversight, they may require minimum payment, not meeting their criteria or you might not have returned their cheque books and other related documents for them to accept your offer. is not authorised to give advice under the Financial Services and Markets Act 2000. The general information and material provided and published on this website is for interest, understanding and for common knowledge purpose only. The details provided should not be taken as any kind of advice and cannot and should not be used to solve any kind of financial problems. You must take proper advice from authorised firm or financial advisor. We do not recommend or endorse any kind investment, advisor, product or services. We do not offer or imply any kind of advice, financial or legal. It is your responsibility to take appropriate action suitable to your needs.