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Dealing with Debt: Finding your feet: Advice for you if you are in debt

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Help yourself deal with your debt

Even though it may seem that there is little you can do to help yourself, in fact there is more than you probably think.

  • Firstly, don't panic.
  • Secondly, get in touch with free money advice services or a solicitor.

Either phone an advice agency for an appointment or phone National Debtline or Consumer Credit Counselling Service to speak to a trained money adviser who will talk you through your problems and work with you to try to improve your situation. Money Advice Scotland can put you in touch with a local agency. You can also get details of your local citizens advice bureau through Citizens Advice Scotland. Contact details are listed here.

You can also consult a solicitor. The solicitor may charge a fee but, if your circumstances allow, you may be able to get legal aid or the solicitor may provide an initial interview free of charge.

  • Thirdly, and most importantly, don't ignore the situation - it can only get worse. With help, you should be able to improve things in both the short and long term.