www.whattodoifyouareindebt.co.uk
A website and online letter offeringFREE IMPARTIAL advice to people in debt
What the banks won't tell you and
what the 'experts' don't want you to know
Bob James
What to Do if You Find Yourself Up to Your Neck in Debt
(And Don't Know Where to Turn)
Is your debt becoming unmanageable?
DO NOT PAY FOR ADVICE
DO NOT PAY FOR DEBT MANAGEMENT
AGREE TO NOTHING. PAY NOTHING
READ THIS REPORT FIRST...
If you find yourself in debt, the last thing you need is to be misled by the legion of unscrupulous 'advisers' in the debt industry who claim to work in your best interest. With the exception of government approved charities such as the Citizens' Advice Bureau and the Consumer Credit Counselling Service (CCCS), they have one thing in common — they're cashing in on your misfortune by selling you services that in most cases you do not need and in many cases are downright immoral.
An important note:
The information on this site is entirely free of charge. At no point will I ask you for any money or to commit to anything whatsoever. And it's here in full. This is not 'part one' of a series given away as a sweetener to entice you to spend money in the future. In short, there are no strings attached whatsoever. Suffice to say, and strange as it may seem in today's world, I want to help you. Why? Because I've been there and I know how it feels.
You can reproduce it. You can give it away. You can forward it to family and friends.
(It is, however, a copyright-protected document and may not be altered or amended in any way whatsoever.)
My FREE monthly newsletter is packed with tips and vital information for people in debt, including up-to-the-minute news of changes in the law, benefit entitlements, housing, dealing with aggressive creditors and much more.
If you haven't subscribed yet click below now:
Yes, I'd like to receive your FREE newsletter
You can unsubscribe any time at the click of a mouse, in which case you'll never hear from me again. SPAM! We all hate it! My promise to you: I will never sell, loan or otherwise share your email address with third parties. <
A DISCLAIMER:
My debt report is a personal account, and should be interpreted accordingly. While I have endeavoured to be as accurate and objective as possible, my suggestions and opinions should not be construed in any way as a substitute for legal advice. Before acting on anything that I say it is essential that you first seek impartial advice from a government approved FREE debt counselling or advice service. You will find an extensive list of contact details at the end of this report. They are, without exception, legitimate agencies only, and they provide FREE expert advice. Do not pay for advice or debt management unless the complexity of your debt problem requires the services of a reputable solicitor or Insolvency Practitioner. And even then, ALWAYS seek FREE expert advice from your local Citizens' Advice Bureau or the Consumer Credit Counselling Service (CCCS) first.
What to do if you find yourself in debt
First, take responsibility
This a practical guide. I won't be reflecting on the underlying social and political reasons for the present debt epidemic that holds the nation in its icy grip.
Neither will I remind you that debt can be humiliating and bad for your health. Nor will I bore you with statistics or any other kind of padding. You've read all about it in the papers. You've seen it on TV. We all know those friendly faces in the credit card ads aren't for real. We all know that most of us live beyond our means. We all know the reason why — when we're offered cake, we eat it. And sometimes we eat too much.
So the first rule is to take responsibility for the mess you're in. It saves so much time later on. Believe me, I speak from painful experience.
OK, life's an uneven deck, and from time to time we'll be hit by circumstances that seemingly fall outside of our control. But if we trace our ill fortune far enough back down the chain of events, we'll sooner or later arrive at that fateful decision that has resulted in the proverbial hitting the fan — NOW! And it was YOUR decision, and no one else's. Even if your business partner had you over, it was YOU who made the decision to go into partnership with the crook in the first place. Even if your husband ran off with the secretary and left you shouldering all the debts, it was YOU who married the scoundrel.
I make this point because taking responsibility helps rid us of much of the emotion attached to unmanageable debt. It frees us to concentrate on practical steps to get out of the mess we've created, and hopefully learn something in the process.
The one saving grace about debt is that, though painful, it can ultimately leave us as more resourceful (and altogether more humble) human beings. It's certainly not all bad.
It happened to me. And it was all my own fault...