Admitting that you are struggling and seeking help is an important first step towards resolving your debt problems.

Don't be embarrassed or ashamed to disclose all your debts and financial difficulties because ignoring the problem and not replying to correspondence will only make things worse.

Your problems will not go away without specific remedial action.

Here are some positive things you can do:

• Stay calm and try not to feel guilty or afraid, even when threats are being made. Advice and support is available to guide you through your situation.
• Don't be tempted to borrow more money to pay off existing debts - this eventually creates even more problems - unless first seeking independent advice.
• Make a list of all your creditors and debts.
• Prepare a statement of your financial position, detailing your income, living expenses and other commitments, and the balance (if any) available to clear your debts.
• Communicate with your creditors so that they are aware of your situation - they will usually respond sympathetically to genuine problems once they are aware of them.
• Communicate with your family and friends so that you can share your problems and work together towards a solution.

Communicate with other agencies who can give you specialist advice - they do not charge for their services:

• Consumer Credit Counselling Service (CCCS) helpline on 0800 138 1111 (freephone) is available Monday to Friday 8am to 8pm .
• Contact your local Citizens Advice (see telephone directory for details).
  Calling Credit Action and the CCCS Helpline

Money problems often arise from or lead to family, health or emotional pressures and it is important that you seek professional help for these related problems too.

KEEP GOING! Don't despair - clearing your debts can be a long process but the end result will be worthwhile and will put you back in control of your financial situation.