Are you late with repayments on finance for your car?
Are you struggling with loan or lease payments?
Are you struggling with phone or utility payments?
Are you late making credit card payments?
Are you concerned about home repossession?
Are you concerned about your credit history?
Do you need to know more about bankruptcy?
Are you concerned about repayments for your white goods/electronic lease agreement?
Are you going to court for a consumer credit or debt issue?