WHAT TO DO WHENFACING A DEBT CRISIS

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KNOWING WHAT TO DO CAN MAKEA BIG DIFFERENCE

ON HOW TO DEAL WITHDEBT

THE RIGHT WAY

HERE ARE STEPS

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1. How muchdo you owe.Get a copy of yourpersonal credit reportand analyze youraccounts with yourcreditors.

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2. Talk to yourcreditors.

Get a copy of yourpersonal credit reportand analyze youraccounts with yourcreditors.

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3. Don't panic.

Get a copy of yourpersonal credit reportand analyze youraccounts with yourcreditors.

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WHAT ABOUT DEBTCONSOLIDATION?

- D e b t c o n s o l i d a t i o n l o a n i s s e c u r e dw i t h c o l l a t e r a l .

- Y o u w i l l n e e d t o k e e p u p w i t h y o u rm o n t h l y p a y m e n t s a l l t h r o u g h o u t

y o u r l o a n ’ s t e r m .

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IS BANKRUPTCY NECESSARY?

Bankruptcy is often considered as a lastresort and the most appropriate solution.

But as soon as you’ve been dischargedfrom your debts, you can immediately startbuilding a new and better credit history.

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CHANGE YOUR LIFESTYLEStart making changes to your lifestyle.

Pay more attention to your spending habits.

Discipline and motivation are important tosuccessfully manage your finances.

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