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Do's & Don'ts Of Debt - Debt Management Guide

  • Do face up to facts.

  • Do contact creditors and lenders as soon as possible.

  • Do give priority to certain debts and pay them off before other debts.

  • Do reply to creditors letters and court writs and summons promptly.

  • Do review your expenditure and make sure you send copies of your review to your creditors.

  • Do remember that creditors prefer small regular payments than large irregular ones.

  • Don’t ignore your debt – It won’t disappear.

  • Don’t give up trying to reach agreements with your creditors even if they reject your initial offers.

  • Don’t borrow more money to pay off debts (unless with a debt loan that will cover all your debts after seeking independent advice).

  • Don’t be threatened into accepting agreements with creditors that you cannot fulfil.

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