This guide is just a start and there is no magic wand to wave unfortunately. If you wish to discuss your debt with someone we would recommend Credit Action = http://www.creditaction.org.uk/

In today's world it is not unusual for people to find themselves in difficulty with debt problems - often through no fault of their own.

To help in such situations, Credit Action has produced a useful self help guide which we have adapted (ever so slightly and the key messages remain the same) for the welcome home website. It is a practical manual that offers clear, step-by-step advice on all the major difficulties:

• How to prepare a financial statement
• How to prioritise your debts
• How to negotiate with your creditors
• Where you can go for help

Because of the nature of this guide, simplifications and generalisations have been made.  Dealing with debt is often complicated and an extremely personal thing therefore we cannot be held responsible for any action taken, or indeed not taken, by readers based solely on the contents of the articles produced on the welcome home website. Anyone facing serious debt problems must seek expert advice and one service you could turn to is the Consumer Credit Counselling Service (CCCS) helpline on 0800 138 1111.