Oct 28 2009
Debt Advice / Debt Counsellor Positions available at Spencer Hayes
For Debt Advice we can provide you with information that gives you basic advice about debt and simple guidelines for dealing with money problems. It is important not to panic about debt problems but also you shouldn’t ignore them because they won’t go away.
If you are worried about how to deal with your debts at Spencer Hayes we offer confidential advice and solutions that will help you to tackle a debt problem. Firstly you will need to collect together information about your money affairs. Make a list of all the people and companies you owe money to (your creditors).
You will need the name and the address of the creditor and the amount you owe. Its a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them. Once you’ve made a list of all your creditors, you need to work out which ones to deal with first.
You need to deal with some debts first before others because the consequences of not paying these debts can be more serious than for other debts. The debts you deal with first are called ‘priority debts’. The debts you deal with after your priority debts are called ‘non-priority debts. Priority debts include mortgage or rent arrears, council tax arrears, court fines such as magistrates’ court fines for traffic offences and arrears of maintenance payable to an ex-partner or children.
Debt counsellors in the UK are currently receiving a surge in calls for the year. This is likely to be because people are reacting much more quickly than normal to the danger signals, and that can only be good.
Debt is something that most of us worry about at some point in our lives but attitudes are changing to being in the red however many solutions are available. The changing attitudes to debt are largely due to the credit card revolution and the ease of getting loans.
UK consumers have, in recent years been in the grip of a credit craze and until recently borrowing has been on the increase with consumer credit in the UK up by more than 100% since 1997. Debt counsellors are there to help you with whatever financial issues you have and in most cases there is always a solution whatever the problem.
At Spencer Hayes we combine more than 30 years experience of helping our clients with their financial problems. We have a team of over 50 staff to find the right solution for you. Simply visit our website at www.toomuchdebt.co.uk and ask to be connected to one of our Debt counsellors. Once you have made a comprehensive list and are ready to talk then please contact www.toomuchdebt.co.uk and we will give you Debt Advice that helps.
