It is always better to negotiate directly with the lender.

The number one rule to always remember is, never get so far behind with your debt repayments that ultimately your debt is transferred to a debt collection agency.

You can also make use of the professional assistance and help of a debt counsellor. A debt counsellor is someone who will offer you professional advice on some of the best methods available on how to repay your debt. Debt counselling can also help you to avoid bankruptcy.

You might feel embarrassed about seeking help, but trust me, it will help you.

By making use of these 4 very helpful tips, it is possible to completely get out of debt, and you will be able to regain and enjoy the financial freedom you have been seeking.

And let’s be honest with each other – there is nothing more rewarding or satisfying than knowing you are debt-free.

The most important two things to remember are:

  • Stick to a good and effective budget that works
  • Use your credit card facilities very responsibly

Remember and use this, and you will be just fine in the long term.