Councils all across the UK are feeling the pinch of the recession and it seems that a council tax rise will be inevitable. With many already seriously struggling with what they have to pay out each month and many seeing their wages decrease for example when on short time, many will be left facing a debts problem as individuals juggle with bills dropping through their letterbox each month.

Rather than hide bills you cannot pay in the back of the cupboard in hope that they will go away, take steps towards being able to get out of debt. There are several options depending on how much you owe. You could look into taking a debt management plan or an IVA for example. Both of these options would allow you to become debt free by sticking to a repayment plan that is manageable. Help and advice can be found online with a debt management team. You would have someone who understands debt and who may be able to set up an agreement between you and your creditors to repay what you owe. You would have just one monthly sum of money to pay to your advisor who would then distribute it between your creditors.

When the term of the plan was reached, you could have paid off your debts. With money management and careful planning in place you may then be able to keep on top of your bills in the future.