There are many different reasons for experiencing debt such as relationship breakdown, long term sickness or loss of employment, but recognising that you are experiencing difficulties is the first step towards resolving the problem. 

Being in debt can have an effect on all aspects of your life. You may feel that you have do where to turn and there is no way out, but help is availble and you can do a great deal to help yourself.

You have already made the first step, so dont turn back now.

Firstly you will need to anwers a few questions using our: