Maybe there is an element of fear when it comes to debt and debt consolidation and if you "brush it under the carpet" and erase it from your mind it will go away. Unfortunately this won't happen and if anything this approach to dealing with your finances can only make things worse.
When talking about debt and debt management, and the help and advice you can get to deal with it, it is clear that many people simply don't understand or don't WANT to understand what situation they are currently in.
The best way to approach dealing with debt is to write everything down. Instant reactions to this are, "but I know what I owe." You may think you know but you probably don't know everything and the final figure will probably scare you. But... the aim here is to face up to the problems and then they can be dealt with sooner rather than later.
Then you need to calculate all of your outgoings (including your debt, rent/mortgage, food etc) and your incomings so you can determine whether you need debt management help or not. Not everyone does - some people just need to be patient and pay debt off over time.
There are many companies, Debt Help Quick being one of them, who can put you in touch with people that can help sort out your debt - if that's what you need. If you're not sure then make a quick application and we can find someone to tell you the route that you should possibly take regarding debt help.
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