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Dave Ramsey recommends a system he calls the "debt snowball". I suggest you check out his books and his radio program.
Maz
Contact your local CAB for debt advice, it is free and they will help you negotiate with the companies.
christine
Never use a consumer debt company- they will do the same thing you can (you can slowly pay off your debt the same way the debt solvers can do). Call your creditors and set up a payment plan with them. Send it in writing and request a response. Explain that you want to do the right thing and working to pay off your debt will benefit both you and the creditor. Plus, it looks better on your credit report- showing that you are paying down your debt in a consistent way.
A close friend of mine used one of those "debt helpers"- she was mortified with the outcome. She was paying debt longer rather than sooner had she just paid them herself and she had trouble with them.
Good Luck.
Tae L
Speak with a professional about this kind of stuff.
You will need to crunch some numbers and go through different options to see what you can do.
What you need to do is see Citizens Advice. They will list your income and expenditure and calculate what is left to divide amongst your creditors on a debt size ratio. You will need to take in your salary slips and creditor statements for proof. You then write to all your creditors with a copy of all this and see if they will accept their calculated offer. Most reputable companies will accept this. Dont bury your head in the sand as your debts/worries will increase. If you have a bank debt, some banks will also do this calculation for you if you arrange an appointment. Good luck
tiger tiger
if you get a loan isnt that another debt ? just pay them off gradually
daisychick862
try your nearest Budget Advice specialist, they help with things like that and make life so much easier with your weekly budgets and can arrange things with specific companies at low interests. =)
pussyinbigboots
You should contact CCCS they can help you out.
http://www.cccs.co.uk/
I got an IVA a few years ago, they aren't expensive but are more trouble than they are worth. They do manage you debts and cut down payments but they also take a large chunk of your payments for themselves. Plus onces it paid off it can take up to 6 years after the last payment for you to even get a small amount of credit.
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