| I have been working in a factory most of my life and | | | | talking to their advisors. They were very |
| I know that I am getting on in years. So I decided to | | | | understanding about all the stress and pressure we |
| go back to college and learn a new trade that would | | | | were under. Together we worked out a plan that |
| allow me to make a living outside a factory. After all, | | | | made it easy for us to get caught up on our bills. We |
| I am not as young as I used to be and I needed to | | | | consolidated all our loans to start with. |
| have an option. So I took out some loans and went | | | | This allowed us to save a lot of money from what |
| to college full-time to learn about computers. | | | | we had been paying out each month. The money we |
| Then I went out into the real world to find work and | | | | saved each month made it easier for us to get our |
| I was not making as much as I was in the factory. I | | | | bills paid on time. Getting our bills paid on time saved |
| know I will make more later, but starting out is really | | | | us more money because of all the extra fees we |
| hard and the bills are starting to pile up. I am working | | | | were not paying out to others. This made it possible |
| hard and so is my wife and we are just not making | | | | for us to get caught up and begin paying off our |
| ends meet. We are getting late notices and my loans | | | | debt instead of only going deeper into debt. |
| are now getting in arrears. | | | | The debt management advisors gave us the help we |
| This debt load is getting to us and it is become a | | | | needed to be able to take control of our lives again. |
| burden on our family. The debt collectors are calling | | | | Now I am making more money in my new career |
| and we want to hide from the phone. The late | | | | and our debt is far lower than it was before. We can |
| notices just keep coming and a friend suggests that | | | | now enjoy the benefits that come with the increase |
| we need debt help. We look at him and ask what he | | | | in the money that I have coming in. Just remember |
| means by debt help, is he willing to pay some of our | | | | that if you are feeling stressed out and depressed |
| bills? Of course not but he began to explain about | | | | because of your finances, there is debt help available. |
| debt management help that is available. | | | | Derek Rogers represents Trapped - - a UK based |
| We sort advice from our local citizens advice and | | | | debt management company, helping people who are |
| found a debt management company and began | | | | already caught in the debt trap. |