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Start of article about debt problems.

Previous page about debt advice.

2. I can and should start NOW to draw up LISTS

In Chapter 3 of Managing Debt - A Guide for Older People the first five elements of debt management are itemised as follows.

Information gathering - this means ALL of the information relating to your difficulties.
Identifying creditors - again this means ALL of the people you owe money to, as you won't be able to deal with them one at a time. NB an important tip from Managing Debt - A Guide for Older People: always check that you actually are liable for the debts that are alleged. A widow or widower, for example, may not be liable for the late spouse's borrowings...
Establishing amounts owed - yet again, ALL debts including interest.
Calculating your income - ALL of it including benefits, pensions, interest from savings etc.
Crisis management - if there is a creditor who has been to Court and obtained an order, the situation may require emergency action.

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The words ALL and EVERYTHING keep on cropping up. If you decide to seek professional advice, give your advisers ALL the facts and tell them at once if your circumstances change. ALL is repeated in a sixth element of debt management.

Analysing your expenditure - ALL of it.

This echoes the advice of Life after Debt. In his own phrase, Alex Keen advises you to take stock. You gather INFORMATION about ALL the money that you owe. You WRITE IT ALL DOWN IN LISTS, together with the names, addresses and telephone numbers of your creditors (the people or organisations you owe money to), and most importantly you write it all down IN PRIORITY ORDER.

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