The Bad Guys

You may not believe it but there are not many bad guys. They only become bad guys when a debtor decides to ignore their problems and bury their head in the sand.

The majority of creditors are prepared to assist you if you have a genuine debt related problem such as:

• Job loss health problems
• Redundancy
• Change in personal circumstances
• Over commitment (provided it is not a blatant abuse)

Whatever your problem is follow the golden rules and talk to your creditors and above all speak to your partner.