OK, so you are in debt. Don't panic...act.
Sure, there is; and the help is available for free.
If you are in debt and need help you should never EVER pay any kind of debt management company.
If you are in the UK your absolute first point of call has to be Citizens Advice. That service is free and they will advise you completely impartially and they are an absolutely brilliant service.
These guys are the real deal. They are called Payplan and they are without a doubt the people who can help you. A superb service, please check them out if you are in debt.
Again, the service is FREE
If you suffer bad credit, then you can get help by reviewing the free do-it-yourself kits at the local libraries.
Debtors can go to the public library and find help books that will direct you from beginning to end through the steps of paying your debts all the way to repairing your credit.
The majority of libraries will allow you to copy and print the forms inside the guides.
The majority of libraries will allow you to copy and print the forms inside the guides.
This means you can simply fill in the blanks, submit the forms to the right sources; and you will soon be on your way to debt relief.
Most creditors prefer letters over phone calls, since the letters explain deeper details than an ordinary telephone message will display.
Most creditors prefer letters over phone calls, since the letters explain deeper details than an ordinary telephone message will display.
In addition, letters are best for you, since, if you are being taken to court for debts owed, you will have written copies that you put forth the effort to repay your debts.
Written information will hold up in any situation verses word of mouth.
In addition, you should keep all copies of return letters or letters from your creditors.
In addition, you should keep all copies of return letters or letters from your creditors.
This will include recording phone conversations, recording dates, recording time, and even recording the name of the person who called.
You will provide a brief outline of the conversation and store the files in a safe location.
If you find errors or faults on your bills that seem mysterious, don't delay in taking it upon yourself to contact the creditors immediately.
If you find errors or faults on your bills that seem mysterious, don't delay in taking it upon yourself to contact the creditors immediately.
Also, if you own a credit card, and are forced to repay debts on damaged packages, remember that it is illegal for anyone to force you to pay for damaged goods if you did not cause the damage.
Debt consolidation is an ongoing process, but if you find a way to relieve debt gradually, you will eventually reap the benefits of your efforts when you become debt free.
Debt consolidation is an ongoing process, but if you find a way to relieve debt gradually, you will eventually reap the benefits of your efforts when you become debt free.
A superb little guide is available is available on Amazon that I can highly recommend also.
It's American biased but the principles work exactly the same in the UK, Canada...anywhere in fact.
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