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→Where do I start?
==''Where do I start?''==
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 this information for each debt:
:*the name and address of the creditor
:*name of the person you have been dealing with at each company
:*the account or reference number
:*a copy of the original loan agreement you signed
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?''==