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do not bury your head in the sand.
the problem will not go away on it's own and the longer you leave it the worse it will get.
do not be tempted by consolidating loans or other credit.
take advice, especially on secured second loans. you could end up losing your home.
move credit cards around to find better interest rates or even interest free periods.
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.
work out your income vs expenditure and make an offer of repayment to creditors.
make a note of every telephone conversation, letter, date, time and name of person you have been speaking to.
do not accept rejection.
creditors are like any business, they are only as good as their 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 does not respond
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