Make sure you know how much you owe.

On average people whom we place on a debt management programme or IVA actually owe 28% more than they originally tell us.
Those who choose ignore the problem and frequently miss payments are often in for a shock as extra interest charges and charges for missed payments are added to the debt. Get current balance statements from each of your creditors so you know the exact extent of the problem before considering options to tackle it.

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