To deal with a ''debt'' problem, you first need to work out how much money you owe. To do this, make a list of all the people and companies you owe money to (your ''creditors'').

You need to collect the following information for each debt:

* the name and address of the creditor,

It is a good idea to keep the latest letter or statement for each debt together in one place so that you can easily find them if you need them.

==What do I put in my budget?==

The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.

'''Income:''' List all the income for your household. Make sure that the amounts are realistic. Include all of your current sources of income:

* wages,