You have now taken the first step in coming to terms with your debt problems.

It is not a crime to be in debt. Many thousands of people run into financial difficulty, often through no fault of their own. Millions of families throughout the country are fighting against stress, fear and breakdown, the unfortunate results of problem debts.

For the majority of people it may well be their first experience of dealing with threatening letters, default notices, bailiffs and aggressive debt collectors. A very common mistake is to ignore the letters, final demands and impending court proceedings.

Another mistake often made is assuming a reduced payment offered, to an unsecured creditor, is the lowest they will accept – yet this payment can still lead to a shortfall in the overall monthly expenditure…