It can often be difficult dealing with a debt problem, but most debts can usually be sorted out with planning and creating a step-by-step approach to managing your finances.

Write to your creditors to let them know that you are dealing with your debt problems and make a copy of your creditors' replies. Creditors prefer to deal with people who are making an effort.

Divide your debts into 'priority' or 'emergency debts' and non-priority debts. Your priority debts may include a mortgage, a secured loan, unpaid rent, heating, electricity, rates, child support or maintenance and/or TV licence.

Make repayment offers to your creditors based on how much money you have available after your essential spending. Pay your priority debts first, then your non-priority debts.

Contact Housing Rights Service or an advice agency for more information on repayment strategies.