Should I manage my debt problem myself?

Problem debt can happen to anyone at any time. We know this because we offer free debt advice to thousands of people every year. How did they end up with problem debt? It's usually an income shock, such as redundancy or divorce.

Some people don't want to take the advice of a registered debt charity. They'd prefer to speak to their creditors directly and come to an arrangement. They usually put together a budget and approach their creditors with a reduced payment.
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