Personal debt in the UK is spiralling at unrecognisable rates. A heady mix of overspending, over borrowing and a biting recession has left many of us in the red and unable to meet our financial responsibilities.

If you’re experiencing debt problems then the best thing to do is seek immediate advice from the Citizens Advice Bureau and to speak to a professional and experienced debt adviser.

There are a number of routes that can help you deal with your debts including debt management plans and debt consolidation loans as well as more serious bankruptcy routes including personal bankruptcy, IVA and DRO.

There is no east way out of debt, but there are organisations (both public and private) out there that have the experience and knowledge to help you get out of debt.

Official Government debt advice is available here:
http://www.adviceguide.org.uk/index/your_money/debt.htm