You are on this website for two possible reasons.

Reason one: you were intrigued by its name. You have no financial problems, you earn well, and the United Kingdom is a land of plenty for you. You have control over your finances, you don’t incur debts, your life runs smoothly and without major stresses. You simply want to read about other people’s problems.

Reason two: you have high debts, your earnings are not enough to pay them off, you don’t know how it happened, you live in stress, you’re afraid to answer calls from unknown numbers, and you’ve had enough of it. Maybe you left debts in Poland and are afraid to return there? If so, everything indicates that you are in the right place. End of creditors. End of bailiffs and debt collection companies. End of debts. End of stress. Start living normally again.

If even just a few of the following statements reflect your situation, then you shouldn’t hesitate any longer. It’s time to take decisive action:

• I have debts amounting to around £20,000 or more.
• The total level of my debt exceeds the value of my entire assets.
• I am unable to repay my debt within a reasonable time.
• Repaying my debt leaves me with no surplus of income over essential living expenses.
• Repaying my debt is at the expense of my and my family’s essential living expenses.
• I do not see any possibility of improving my financial situation in the near future.
• I have arrears in repaying my obligations.
• The bank’s debt collection department calls me several times a day.
• Debt collection companies have appeared.
• I’m afraid to answer calls from unknown numbers.
• I receive summonses from County Courts.
• A bailiff knocks on my door.
• I feel cornered from all sides.

If even just a few of the above statements resonate with your situation, then you shouldn’t hesitate any longer. It’s time to take decisive steps.