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Are you having problems with debt?
Many people in debt try to ignore their debt problem or in some cases do not realise that they have a debt problem or the seriousness of their debts.
Debt Plan Direct is here to help you if you are experiencing problems with your debt.
Do you:
- Not have enough money to live on by the end of every month?
- Fear your property is at risk of repossession?
- Have sleep problems because of all the worrying?
- Not know the total amount of debt you owe?
- Have CCJ’s and are threatened with more?
- Worry about bailiffs knocking on your door?
- Dread answering the phone every time it rings?
- Ignore opening letters from creditors?
- Recive threatening calls and letters of legal action?
If you answered YES to any of the above statements then contact Debt Plan Direct for immediate debt advice and guidance for the right way forward.
You are definitely not alone as the number of people with serious debt problems continues to rise sharply. More than 5,000 people were declared bankrupt in 2007 owing more than £100,000 each in unsecured debts such as credit cards, store cards, personal loans and overdrafts. Recent reports also warn that the number of people owning more than £100,000 has almost doubled over the past two years and the signs are that the debt problem in the UK is set to get worse.
If you are one of the thousands of consumers who are concerned that your spending is getting out of control, then help is available. Debt Plan Direct provides full guidance and reassurance to help you put your finances back on track. Contact us for an information pack and just follow the points to help manage you to stay clear of more serious debt problems, which can lead to insolvency or bankruptcy.
Identify the Problem
The first step is to face up to the fact that you have a debt problem. The longer you leave it, the larger these will be and the harder it will be to get your finances back under control.
First calculate exactly how much you owe. Make a list of all your various debts and find out exactly what interest rate you are paying on different loans, credit cards, store cards, mortgages etc. This will help you identify the most expensive debts, which need to be paid off first.
It is also important to understand why you have become saddled with a debt problem. Are you in the red because you regularly spend more than your earn each month, and use credit cards and overdrafts to bridge this gap? Or maybe a one-off purchase has stretched your finances a bit too far? Perhaps a career change, divorce, unemployment or an illness have reduced your income? If you know why your spending has spun out of control, we will be in a better position to draw up an effective plan of action, and there is less chance of falling into the same trap again in future.
Remember we are not here to judge or to ask questions as to why or how it is you became to have any difficulties. Debt Plan Direct simply exists to help you.
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