If you have debt problems there are several places that will be able to assist you. You are not on your own as there are literally millions of people in the same position. Creditors know this is the case and would rather talk to you directly so that they can understand your position. The longer you let things continue the worse the problems are likely to become.

A good starting point is to make a list of all those you owe money to, how much you owe and their respective addresses. It is likely that any advisory service or debt management company will ask for this information. If you have a statement or recent piece of correspondence this would also be of benefit. Some creditors pass on debt to a collection agency and will no longer deal with you directly. One of the letters may have the new contact information on which saves time.

The next thing to do is make a list of all your incomes and outgoings. From this you will be able to determine whether there are any surplus funds you can pay into a debt solution, such as an Individual Voluntary Arrangement (IVA) or debt management plan.