Richard is starting to worry, he has a job in sales but hasn't been earning the commission that he used to. He has several credit cards and a couple of personal loans, he can't keep track of who needs a payment when and feels like the debt is starting to get out of control. Every week he gets a threatening letter, he dreads opening the post in the morning and is starting not to answer the door in case it's a bailiff. He is slipping behind on the rent now and despite having a regular income he can't see any light at the end of the tunnel.

First of all, Richard needs to realise that he is not alone. Rising debt levels are a major problem for an increasing large group of people from all over the country, but there are solutions available.

At Your Money Matters Show Richard can get free professional advice on all the implications of his debt. He can investigate Debt Management Plans, IVAs, Consolidation loans, CCJs and even look at the possibility of Bankruptcy, all without any commitment. By attending the relevant seminars and workshops, Richard can find the solution that suits his circumstances and begin to get his life back on track.