With so much information out there about debt help how can you tell what is right for you?


Firstly, you need to have a clear understanding of what the issue is and the arrears where you need assistance and support. Like going to a doctor, you need to have a clear understanding of the ailment before any treatment commences. By taking this approach, straight away much of the irrelevant information is removed leaving behind only what's relevant.


From here, you need to consider the source of the information. For instance, is the debt help originating from a trusted source or is it coming from a non-qualified source. If the debt help is coming from a non-qualified, untrustworthy source then it should be discarded because acting on this sort of advice could make your situation even worse than it is. For instance, if you are in such serious financial difficulties that bankruptcy is an option, taking advice from a friend is the last thing you should do. Even though you friend may have declared bankruptcy themselves their set of circumstances would be completely different to yours - even though on the face of it they may seem to be the same. Rather, you should take advice from a trusted sauce such as an accountant, solicitor or licensed professional who specialises in these arrears.


Sometimes, the advice you here may not sound very appealing. The reason for this is that advice, no matter what it's about, will have benefits and consequences. The right advice is the one where you are happy with the benefits and comfortable with the consequences given the conditions of the alternative.


Like any advice that has elements of bad news, you should consider obtaining a second opinion.


Once you have a clear understanding of the issue, and have obtained qualified advice on how to remedy the matter, the next step is to take action. This may seem the easy part, but often it's the most difficult because it requires 100% commitment. It's quite common for people to get to this point and then back out. One reason for this is possibly due to the fact that all the preliminary stages can become academic however at the point where action is required, a new wave of anxiety quickly develops.


Usually, this anxiety is overcome by an event such as a creditor calling or taking further action. It's very important to realise that these feelings are normal and everyone experiences them from time to time - no more so than before a significant event.


In my experience, once a decision has been made and action taken, the individual then feels an overwhelming sense of relief. The reason for this is due to the fact that possibly for the first time in a long time the individual has taken control of the issue. Up until this point, the individual has reacted to the events as opposed to proactively addressing the issues. The latter approach is empowering and for many this feeling is the first time they have felt balanced.


The point of this article is to identify the stages in realising there is a debt problem and the identifying the process of finding debt help. Suffice it to say, it's hoped that any feelings of anxiety prior to action being taken are minimised as a result of understanding the process.