It’s easy to feel overwhelmed if you know you’re struggling financially.

It’s tempting to bury your head in the sand and ignore your bank statements and demands for payment, but it won’t make the problem any better and could make it worse. Paperweight together with you, will help you open any letters you have been ignoring.

Once we have done this, we will know what to deal with and will assess the priority creditors and contact each to negotiate time to pay and if necessary/possible, we will also try to negotiate a cap on the debt.

The scariest thing in the world can be the next bill that comes through the door.