Some years ago a famous advertisement proclaimed that ‘It’s good to talk’. When it comes to resolving debt problems the first option should always be to talk about it. Even when the problems seem intractable, you should at least try to talk to your lenders. It is particularly important that you seek debt help when you begin to miss payments or when you have made late payments or when you have begun to pay your creditors selectively over other creditors, say if certain creditors are putting you under pressure. This behaviour is unfair on the creditors who are treating you better i.e. not putting you under pressure nor sending debt collectors to your door, nor taking legal action against you. Continue reading