debt

Grapevine is launching it's new texting service , U2Us this week. The service will use latest technology to provide, quality, up to date information, advice and support to young people direct to their mobile phones.

Young people can text on 0780 007 4927 and ask our trained volunteers (other young people) for information and support on a wide range of issues.

U2Us can also be used by a range of professionals working with young people either to receive information, send information to and consult with young people.

For more info text to 0780 007 4927, call Grapevine on 01242 255888 or leave a message on this site.

There's no easy way out - you know that already. But the sooner you face the problem, the easier it will be to solve it. So act now.

• Tell your creditors (the people and companies you owe money to) as soon as you have problems. Don't ignore letters or demands. The earlier they know about any problem, the more sympathetic creditors are likely to be.
• Follow the action plan below. It'll help you to see where you stand and give you the information you need to talk to your creditors.

ACTION PLAN

Step 1:

How much do you owe?

List all your financial commitments and when they are due. Some debts can cause more trouble than others can. These are priority debts. You must deal with these first.