The UK's population as a whole is not planning ahead and is exposed to potential difficulty in an economic downturn or a change in their personal circumstances. While severe debt affects only a small part of the population, around 3 million say it is a constant struggle to keep up with commitments and when it does strike the consequences can be severe.
The best way of dealing with debt is to do all you can to avoid it.
This section gives you ideas and information about preventing getting into debt.
Debt Consolidation Explained contains general information only. We strongly advise you to seek qualified professional advice before taking any action.