If you have a debt problem or think that a problem is looming, there are some simple things to remember.

Banks and other finance houses are professional lenders. When you can not repay your debts, they use professional collectors to ensure that you pay. If you are struggling with a debt problem you need the help of a professional negotiator. Brookvale can help.

Don't just be taken in by offers to massively reduce your monthly debt repayments. You could be making the repayment forever when there might be better alternatives available.

• Do take professional advice as soon as you feel that you can no longer cope with your debts no matter how large or small they may be.
• Do devote all your efforts to improving your income from your employment or your business rather than wasting time and energy worrying about your debt problem
• Do treat with extreme caution any offers of help that include the insertion of capital, third party funding or any type of loan
• Do contact Brookvale if you are at all worried. The advice is free and you know that you are dealing with independent experts.

• Don't try to borrow your way out of trouble, it rarely works and you will probably just make matters worse.
• Don't make offers to pay your debts unless you are sure that you can afford them.
• Don't pay off one creditor in preference to another
• Don't allow collecting agents to intimidate or frighten you.
• Don't ignore the problem and just hope that it will go away. It never does!
• Don't Panic Brookvale is here to help