Are you experiencing problems paying your bills? Are you being pestered by your creditors? Have you been threatened by debt collection agencies or do you have impending court action? Do you need more information on bad credit, CCJs or IVAs?

There is help available but before taking any action, talk to a professional debt counsellor, particularly if you are thinking of taking any action that could affect your future credit rating or risking your home. There are many money saving experts out there who can provide excellent debt counselling. They could provide advice in accordance with Law Society guidelines on administration orders, IVA's, bankruptcy etc. and may help ease your burden

Once you have taken financial advice, there are a number of options open to you; personal loans or secured loans for consolidation, home improvements. Homeowners are in the best position, particularly if they have equity in their home. Mortgages and remortgages are available even if you are self-employed, need a non-status mortgage, with no proof of income.