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Press release January 3, 2012 Lifestyle

Speak to a debt advisor at for help managing debts and finding a solution in the run up to Christmas. Whether you need a debt loan or just sound advice, don't delay in seeking debt help.

Just before and after Christmas, increased spending, socialising and big heating bills can often see families edging towards debt problems. For many, not knowing what they owe or what to do next can seem very scary.

If you feel you might need debt help – or think you could be in debt come the New Year – now is the time to take action. Every day you delay you will be charged interest on outstanding debts, and of course there will be more and more sleepless nights.

The first step is to speak to a debt advisor at A qualified advisor will take details of your financial circumstances, including how much you owe and to whom, how much you can afford to pay back, and your monthly income and expenditure.

This will allow the debt advisor to suggest suitable solutions. There are many options available, from a debt management plan to an IVA, but it's important to listen to professional advice when choosing the best path.

For example, a debt management plan is ideal for debts below £10,000, especially if you are not a homeowner. On the other hand, if you're willing to secure a debt loan against your home, you will benefit from lower interest and affordable monthly repayments. For larger debts, there are solutions such as the IVA or bankruptcy. Of course, each of these options carries its own risks and benefits, but choosing the right one will help you get on the road to recovery. By next Christmas, your finances could be looking very different indeed.

Call today for free debt help on 0800 048 3674, or visit the website to find out more about the different available debt solutions.