Hopefully readers have tried to stick to a tight budget for Christmas and have not overspent on credit cards. However if you have and are worried about debts you have, then a really good place to start to sort out your debt problems is a national charity called 'The Consumer Credit Counselling Service' they have well trained staff to help you sort out your problem. First they will make an appointment for a phone interview and they will request you get all your bills, credit card statements, etc ready for the date and time when they call you back.
When they call they will spend time going through your expenses and income, and by the time you have finished giving them the answers they will have compiled an income sheet that they can send you by email with a letter from them. You can use this to send to your debtors. Depending on your circumstances they will advise what the best way forward might be, they will tell you what payments to prioritise etc and can advise you about IVA's bankrupty etc. It depends on your situation and levels of debt. Their helpline is open from 8am to 8pm Monday to Friday.
0800 138 1111
Give them a call you have nothing to lose and it can be a great help with stress levels to feel that someone is listening without judging and is hoping to help you get back to a more stable financial footing.
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