Try the Citizens Advice Bureau for general advice, but I can give you some advice too:
Cut up your credit cards. If you haven’t got the cash to pay for something, don’t buy it. You are already in debt; having credit cards will just keep temptation in your way.First of all contact the debtor and talk to them about your finances, most are very understandable and will reduce your payments. If tey go to a debt agency ten place extra money on it. If you receive a letter from 1st credit DO NOT acknowledge them, seek advce first, they are horrible, but 4000 pound is not a lot to owe so dont worry too much.

Payplan is a very good debt management company and they are a free service funded by the goverment. you do not pay for their service, do not pay a debt management company to negotiate on your behalf as it is 300 pounds up front then an amount every month then once on board they do not fight your corner. Payplan are brilliant, but speak to lender first. Dont worry, been there done it when owed 40000 pound.

 

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