Since unpaid debt can cause a whole host of nasty problems such as repossession of goods or property, bad credit or the future, being sued and bankruptcy, dealing with it is important. Never take up a 慻ood' offer for more credit unless you can afford the repayments. Even interest-free loans have to be paid back and in some cases a penalty is applied for a missed payment.
If you have multiple loans, it may be worth your while to consolidate them into one debt. At least you'll only have one repayment to worry about. This will work if the fees and interest on the new loan are smaller than the fees and interest on the others. It may not save you money if the terms of the new loan are longer, as you'll be paying more interest. However, if the repayments are smaller and you couldn't afford to pay them any other way, it may be the best way to manage.
If you are in debt and you are worried about it, you or another family member may be able to take an extra job. Look carefully at your spending habits to see where you can save. There are many things that we can do without if we really need to.
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