It is important to address your money problems early. Ignoring them will only let matters get out of hand.
You can arrange to meet an adviser at your bank if you are struggling to manage your account effectively. If you have multiple debts seek independent advice. Your local Connexions partnership will be able to put you in touch with someone who can help.
If you have credit problems, contact the organisations that you owe money to. They may be utility companies such as water, electricity or gas or credit card companies. Each of these companies will have plans that you can use to help you spread the cost of payment.
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