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Before you can tackle a debt problem, you need to collect together information about your money affairs. Make a list of all the people and companies you owe people to (your creditors). You will need the following information for each debt:
- the name and address of the creditor
- the account or reference number
- the amount you owe
- a copy of the original loan agreement you signed.
It’s a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.If you've received any court papers or letters that seem urgent, you may need to act quickly. If you are not sure from the papers what you should do next, get advice straight away from an experienced adviser. Your local Citizens Advice Bureau can give you advice about a debt problem. To search for details of your nearest CAB, including those that can give advice by e-mail, click on nearest CAB.
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