Are you struggling to pay credit cards, loans, store cards or catalogues?  Would you like someone to help sort out your payments and talk to creditors for you?

Would you like to be able to pay one affordable amount to all your creditors each month? f this sounds like you, a Debt Management Plan may be just the thing.

First you need to put together a personal budget sheet to see whether you have enough disposable income. You can use our
pack Dealing with your Debts which includes a budget sheet and a guide to how to complete it.

If you don’t have the pack, you can do your own budget. Add up all your household income. Then add up all your essential expenses, like rent, mortgage, household bills, food, travel, child care.

Take the second figure from the first. What you have left over is your disposable income. If your disposable income is £100 or more, a
Debt Management Plan might be a good option for you.  Get up to the minute UK Financial News to keep track of the deepening credit crisis.

For more free debt advice contact the Insolvency Helpline