Being in debt can be stressful, and it can be difficult to know what to do first, especially if youre constantly getting letters and calls from the companies you owe money to.
You might be thinking about taking out a loan to pay back money you owe, but this can make the problem worse when there might be a better solution for you.
Theres no debt problem thats unmanageable.
Becoming debt-free, however long it takes, can improve your credit rating and mean you can think about longer-term plans.
When you have more than one debt, you must make sure youre dealing with the most important ones first.
Debts come in various forms, such as bank loans, pay day loans, credit cards and catalogues.
Some debts are known as priority debts and they …
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