If you are worrying and having sleepless nights over debts I would recommend you to contact Clark Richards. I did and as soon as I made the initial call I felt better. They are friendly to deal with offer honest and helpful advice and best of all are non-judgmental. They help you to work out what you can afford to pay on a regular basis, contact your debtors and they take care of everything else. The letters and phone calls stop and as long as you maintain the payments to them the worry stops as well, but should anything go wrong they are always just an email or a call away and willing to help you with any problems.