These days there is a lot of talk about debt, in the uk we now owe more than a trillion pounds. This is an amazing figure but the fact is most of us have debt, some small, some very big.

Debt can include rent arrears, council tax arrears, magistrate court fines, gas, electricity, telephones and water rates. If you have any of these, they must be cleared first.

How you deal with these debts will depend on your financial circumstances and if any legal action has been taken. The golden rules are not to ignore the situation and try to come to some arrangement to pay. Offer an amount you can afford and then make sure that you make regularly payments.

Get help now

Being in debt is stressful and can be frightening but there are lots of organisations out there which can help.