Debt Crisis - the facts about your options

Are you struggling to keep up the minimum payments on your credit cards? Are you receiving final demands?

Are you scared to open any more letters from your bank?

Have you had letters from debt collectors?

Have you been warned that the bailiffs will come round to collect your possessions?

If you answered "yes" to any of these questions, you need to take advice. Don't wait. Help is available.

There are a number of different places you can go for advice, and this leaflet serves as a guide to your options.