Don't ignore the problem, it won't go away and the longer you leave it the worse it gets.
Get in touch with your creditors straight away and explain your difficulties. Get a contact whom you can go and see or phone or write to them.
If the first person you speak to is unhelpful, ask to speak to somebody more senior who may be able to agree to what you want.
Make sure you tackle your priority debts first. The debts which can mean losing your home or having your gas or electricity cut off, or going to prison. DONT PANIC! YOU CANT GO TO PRISON FOR MOST TYPES OF DEBT.
Fill in the reply forms to court papers and let the court have all the facts. You should supply a copy of your financial details.
Attend court hearings. Take a copy of your financial details with you. Don't think that going to court makes you a criminal, its not that kind of court. Most hearings take place in private.
Don't borrow money to pay off your debts without thinking carefully. Get advice first. This kind of borrowing will usually make matters worse.
Always answer creditors' letters or phone calls. Don't give up trying to reach an agreement even if they are being difficult.
Remember we are here to help at each stage with letters and forms and we can explain what to do if you are asked to go to court. DONT GIVE UP AND DON'T PANIC