I dealt with debt on my own

People should learn to own up and face reality and their financial situation.

There is a tendency to ignore letters, phone calls, change bank accounts and addresses. This won’t make the credit go away but adds to problems.

I dealt with my debt by calling everyone that I owed, and requested reduction on payments until such time I am able to pay the initial instalment. I also check my bank statement if all debits are going through at the right date and I have closed all retail accounts.

I am left with one that I am currently paying off.

I now put goods on lay-by and pay over three months if it's clothing, and if it’s furniture over six months or one year depending on what the agreement is.

I never went for debt counselling; I did it on my own.

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