Being in debt is really rubbish. It's not just the fear of letters coming through the letterbox, endless phone calls about missed payments from creditors, or worrying the knock on the door is someone looking to collect money.Debt nearly ruined us. We missed payment after payment, had debts sold on to debt management companies and then onto other ones when we ignored their letters as well. We weren't able to pay our household bills as we were paying more to creditors than we were making in...
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