All too often when you first get into debt you start off unable to believe that it is really happening to you. You can’t understand how you could have got into this situation and there’s a real temptation to hide away and hope that your problems will take care of themselves.

Then you may start to receive threatening letters from your creditors. Again, it can be very tempting to bury your head in the sand by shoving them under a pile of papers and hoping they disappear. Or maybe you don’t even open them; after all, if you haven’t read them then they don’t really exist.

However, as the letters start to pile up and you begin to feel harassed by phone calls, you might decide that it’s time to do something about your problems.

The decision to seek help is a really big step to becoming debt free and one that many people who haven’t been in debt underestimate. It takes real courage to make that first phone call to a support line and admit to someone else that you’re in trouble.

What people also don’t understand is that, to begin with, you might just want to know what your options are without being obliged to take matters further.

Clear Start is a national and independent organisation that understands what being in debt is all about. Clear Start offers free debt advice and support to people in serious debt and has already helped thousands of people to become debt free.

Their specially trained team of debt experts is able to help you in a number of ways from advising you on the best solutions to your problems, such as debt management, debt consolidation and IVAs as well as simply providing monthly budgeting advice.

Importantly though, all the advice they give you is entirely free and without obligation. In other words it is completely up to you whether or not you choose to follow it.

Clear Start’s National Debt Helpline, prides itself on offering an ethical and professional service that people can rely on. The feedback from happy clients and messages posted across the internet are testament to the service that the organisation provides.

You can speak to a specially trained advisor on any debt matters, and with no obligation, simply by calling their freephone number.

Call Clear Start on 0800 138 5445

Visit us at www.clearstart.org

E mail us at info@clearstart.org

For further information about Individual Voluntary Arrangements, please visit IVA Advice Service