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Mounting debt is a huge worry and it can soon spiral out of control if you are not careful. The odd missed payment could soon turn into one of many; there may not be enough money going into the bank account each month to cover debts like loans, credit cards and worse: the mortgage either. When you are getting more sleepless nights than peaceful ones, you know that it’s time to sort those finances out and it can be tempting to seek help from one of the many advice websites on the Internet.

Be warned, however, many of these companies might promise that they can get your debts written off for you, but they do actually charge for their services and you may find yourself taking them on as simply another creditor, which you can do without.

The Citizen’s Advice Bureau, however, offers free debt advice.

For small debt problems, teach yourself to budget and whittle down that debt by yourself. For the more serious debt problems, go to the Citizen’s Advice Bureau and let them help you help yourself for no cost at all.