You’ve heard of so many quick remedies to solve debt-related problems. “Hide your furniture”, they say. “Close your bank account so the debit orders don’t go off”, they advise. “Take out a loan to consolidate your debt”, you might hear. It is important not to try and solve a problem by replacing it with another…

You have this problem. You have accepted it, and now it is time to do something about it. But who, where and how? You are scared. You have heard of so many fly-by-nights and mishaps of people claiming to help, but who are in fact only helping themselves. It is true, there are some people…