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Your summary will appear as 2/3 lines underneath the news title, on moneyextra.com/news/. This will also be the meta description of the page

Your summary will appear as 2/3 lines underneath the news title, on moneyextra.com/news/. This will also be the meta description of the page

Your summary will appear as 2/3 lines underneath the news title, on moneyextra.com/news/. This will also be the meta description of the page

Many people find themselves in debt through no fault of their own. In other words, they have not led a lifestyle that was beyond their means, they have not tried to keep up with the Jones at all costs, but they may be in debt because they have loaned someone money, or they have entered into some kind of financial transaction that has, to whatever degree gone wrong.

Debt is not the preserve of the English. Scotland has also been badly hit by the economic downturn that has happened over recent years and as a result debt levels are rising almost on a daily basis. Debt management in Scotland has been an issue for many years though, almost since the start of the last Century.

Latest figures from the Office of National Statistics, show the number of people made unemployed has risen to 2.47million this year and with total debt standing at £1,457bn at the end of August means it no surprise individuals are spiralling into debt

Years ago debt management companies had a poor reputation. They were often seen as preying on vulnerable people, getting them to sign things they didnt quite understand and basically making a lot of money out of people who were in debt. But my, how times have changed!

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If you are in debt and you are finding that life is quite difficult and you dont know where to turn for help then do not fear, there is lots of help out there and the great news is that it is free! You may see some companies offer to sort out your finances for a minimal fee, or they encourage you to take out a consolidating loan, so that you end up paying them back a certain amount of money each week.

As a vibrant city, full of sleek, chic buildings and home to Harvey Nichols and Selfridges it is easy to think of Manchester as being a city that really does not have any need for debt management. But the reality is that many people in Manchester are struggling to manage their debts, just as they are up and down the United Kingdom.

Debt management is not something that is limited to only a few agencies or organisations, there is a whole network of debt advice agencies available for people to be able to start and take control of their finances.

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