Points to remember
To be a Debt Free life you guys can try these points.It may help you.
Stay calm and try not to feel guilty or afraid, even when threats are being made;
Don’t be tempted to borrow more money to pay off existing debts – this eventually creates more problems – without first seeking financial advice;
Make a list of all creditors and debtors;
Prepare a statement of your financial position, detailing your income, living expenses and other commitments, and the balance (if any) available to clear debts;
Communicate with creditors so that they understand the situation – they will usually respond sympathetically to genuine problems once they are aware of them;
Communicate with family and friends so that they can share your problems and work together towards a solution;
Money problems often arise from or lead to family, health and emotional pressures and it is important to receive professional help for these problems;
Keep going – clearing debts can be a long process but the end result will be worthwhile and will put you back in control of your financial situation.