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Finance

Debt counselling could be the answer to your personal financial problems. Maybe you've lost your job through ill health or been made redundant - the bills keep mounting up and you've no money to pay them.

  • The longer you leave the problem, the worse it is likely to get
  • Unopened bills don't disappear

STEPS TO TAKE

  • Cut down on any overspending
  • Prioritise your debts
  • Get specialist help
  • Don't ignore your creditors - try to negotiate terms with them
  • Work out what you can afford to repay

LOANS

  • Consolidation loans may help - but they are expensive
  • Your bank may also help you

DEBTS TO PAY FIRST

  • Mortgages - to avoid repossession
  • Council tax - failure to pay can lead to a court summons and prison

MORTGAGE ARREARS

  • Even if you are in arrears it may be possible to get a remortgage
  • This may well be expensive - but better than losing your home

REPOSSESSION

  • If the lender sells your home for less than you owe them they have several years to start chasing you for the balance - between six and 12 years
  • It is possible to negotiate a reasonable repayment plan