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Debt Advice Don’t bury your head in the sand. The problem will not go away, the longer you leave it the worse it gets. Do not be tempted by consolidating your loans. Take advice, especially on secured second loans. You could end up losing your home. Make sure you pay your priority debts e.g. mortgage, council tax, fines etc. Contact your creditors immediately, either phone or write to them. You will be amazed as to how helpful they can be. Check your entitlements i.e. benefits, insurance claims etc. Keep a paper trail. Note every telephone conversation, letter, date, time and name of person to whom you spoke. Do not accept rejection. Creditors are like any business, they are only as good as the staff. If you find a member of staff unhelpful, ring back and speak to someone else, you will be amazed at the difference. Do not ignore Court papers. Courts actually work to your advantage as much as the creditor, the majority of Court Judgements are issued by default because the debtor doesn't respond! Always attend Court hearings. There is no jury and you will not be sent to jail, ( unless you are a criminal of course). Seek professional help, Citizens Advice Bureau and National Debt line are superb. Disclose all information Always declare all debts and income/expenditure. Do not underestimate or exaggerate your expenses. Keep in regular contact with your creditor. If you promise to return a call, make sure you contact them before they have to contact you again. DO NOT PANIC You have obviously got debt problems to be reading this page. Easy for us to say but don’t panic. Whatever the problem it can be resolved. DO NOT BURY YOUR HEAD We personally estimate that 50% of red letters are never opened. You will not solve your problems until you have faced them.   Go to www.cccs.co.uk for further advice.