Top tips for dealing with debt

- Stop ignoring the letters and phone calls from your creditors (lenders).

- Open the post and answer the telephone calls. Explain your circumstances and tell the truth!

- Get in touch with your creditors straight away and explain your difficulties.

- If the person you speak to is unhelpful, ask to speak to someone more senior who may agree to what you want.

- Make time to sit down and work out your monthly budget of income and expenditure.

- Tackle priority debts first the debts that mean you can lose your home or have your gas/electricity cut off or face criminal proceedings.

- Don't borrow more money to pay off your debts without thinking carefully first. This kind of borrowing will usually only make matters worse.

- Don't borrow from another source to meet the interest payments on an earlier loan.

- Don't use the credit worthiness of friends and family to borrow more.

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