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If you have debt worries share them!

Author: Michael Challiner

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In a recent survey, 40% of people with personal debt problems would not tell anyone about their problems. { Motor Insurance }The majority wouldn't even share them with their partner and fewer still tell their parents. We all know that keeping debt problems a secret from our close ones is a route to domestic disaster, but what should you do?

Well the first thing is you must talk to someone about it - but to whom? A chat with your local Citizens Advice Bureau can point you in the right direction < insurance > but possibly the best solution is to contact a debt counselling firm. You'll find plenty on the Internet. Simply search for "debt counselling". But before you do, gather together the information they'll need.

Write down details of all your income net of tax and then the full details of your expenses. Don't leave anything out. Then check your list of expenses against your bank statement. Is there any bank payment that is not covered on your list of expenses? { life insurance advisers } If so add them in. Then list all your debts not forgetting any gas or electricity bills that may be on the way to you. In respect of any loans or HP, note down how much you pay each month, how much is outstanding and how long the loan has remaining to run. If you are a homeowner, you'll need to do the same for your mortgage. ( mortgage )The debt counsellor will also need to know roughly what your house is worth. If any of the loans are secured against you home make a note.

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