The Simple Guide To Clearing Your Debts

By Felix Ferrero

We all know that sometimes we get into debt without actually trying, something happens, you miss a bill, you have a baby, you have a problem at home. The list of reasons that cause you getting into debt are endless and generally its not intentional.

This guide breaks down in simple steps what you can do to clear your debts without getting into a panic.

−Step by step guide to dealing with people you owe money to
−Template letters and emails, that are clear and concise
−How to get your credit report for free from all the Credit Reference Agencies
−Bank accounts to help you manage your money
−Dealing with debt collectors and the courts
−We also cover all about debt relief orders and other forms of help you may need in certain circumstances, but generally covering the simple steps in the guide you won’t need to go down that route.
−And much much more.

• Language: English
• Publisher: Felix Ferrero
• Release date: Sep 2, 2019
• ISBN: 9780463502549

Felix Ferrero

It's important to live and enjoy life, remember to enjoy everyday, including the bad days.

Book preview

The Simple Guide to Clearing your debts

NO DIFFICULT METHODS, NO NEED TO PAY A PROFESSIONAL, SIMPLE AND FREE OPTIONS TO CLEAR YOUR DEBTS SIMPLY!

Debts Made Simple | Debt Clearing Guide | August 2019

Felix Ferrero

Copyright © 2019 Felix Ferrero

All rights reserved.

It is not legal to reproduce, duplicate, or transmit any part of this document in either electronic means or printed format. Recording of this publication is strictly prohibited.

Dedicated to my mum, without whom I don’t think I would have my morals and ideals. It’s because of what she taught me, I use everything as a lesson, not as a chore.

CONTENTS

About The Author

About This Book

What To Do First

Step 1 – Working It All Out

Step 2 – Working Out What You Owe

Step 3 – Making Payments

Token Payments (Pro Rata Payments)

Energy Companies

Council Tax

Magistrates Court Fines

Hmrc, Dwp And Other Government Departments And Agencies.

Tv Licence

Child Maintenance

County Court Judgements

Statute Barred Debts

Step 4 – Keeping On Top Of Your Debts

Credit Reference Agencies

Banks To Help With Budgeting And Keeping Control Of Your Debts

Checklist

Letters/Forms And Documents

Letter About Statute Barred Debts

Income And Expenditure Form

ABOUT THE AUTHOR

So a few years ago, my house burnt down. Because of that, and having to move away because it took over a year to rebuilt. Me being me, I didn’t even think about forwarding my mail to my temporary place. So for a whole year there was payments on catalogues, gas, electric, water, some cards all still charging me.

When I moved back in , I owed thousands, and just couldn’t pay it all. I panicked, I worried, I wondered what to do. I tend to think logically, so I sat down and spoke to myself, what shall I do? Then I thought surely there is a solution, it can’t be all doom and gloom. So I spent hours browsing the internet, looking at websites, looking at guides. Most of them gave good advice, but none of it was really simple.

I didn’t want to go down the getting a debt charity involved. I don’t like talking about my personal business. So I did it myself, and I