Being in debt can be stressful and it can be difficult to know what to do first - especially if you’re constantly getting letters and calls from the companies you owe money to.
You might be thinking about taking out a loan to pay back money you owe, but this can make the problem worse when there might be a better solution for you.
There’s no debt problem that’s unsolvable.
Becoming debt-free, however long it takes, can improve your credit rating and mean you can think about longer term plans.
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