I'm lucky. I don't have debts. I did once. Now I don't. I wrote a book about it. This fact, however, doesn't stop companies hounding me for money I don't owe them. It's a pain in the timetable because each demand has to be dealt with and that's my time they're thieving, never mind the attempts to palm my cash using computer-generated hate mail.
Now, if you are in debt and being hounded to pay it back, it can be a terrifying experience.
And poring over the statistics from money education charity Credit Action suggests that there are an awful lot of people in a parlous state of financial affairs. Each household owes more than £9,000 or £21,000 if you only include households with unsecured loans. If I don't owe £9,000 that can mean my neighbour owes £18,000 and so on. That 'advice' to beat credit card companies at their own game doesn't seem so smart now.
So this lunchtime if the money blues are foremost in your mind, I'd take a look at some of the advice out there, and particularly worth memorising are your rights and how to react if the bailiffs pop round for your prized stuff.
>> Your rights if the bailiffs call
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