Confusion? Take it one step at a time

Debt is a strange word, and it is not the first one that comes into peoples minds when money problems start. So what is the first word describing it?
I've been advising people on debts since 2000 and on first contact people usually ask where they can get a loan to cover the arrears and reduce the ongoing monthly repayments. At first glance this is the initial way to deal with a small deficit with repayments, there are very few who can make this work. The reason is that the affordability gap is usually wider than refinancing allows. See its started to get confusing already.
The first step is to get a bucket load of adivce, like a supermarket sweep. You will get a lot of stuff you may not need but the gem you find at the bottom of the trolley will be of great value! Start shifting through the advice you think is best and keep asking.. it should become obvious who is going to help you the most and which advice agency you like dealing with. Don't pay for any of this advice just keep asking lots of different sources. There are big ones, small ones, start ups and aged ones. Compare them all.
Where I work at Debtaid we work on the basis that if we give great advice people will keep using us. Debtaid Ltd give free advice and can even do a free debt management plan for you on the phone, no obligation. Ideal for comparing to all the other advice people should be shifting through! www.debtaid.ltd.uk