There is nothing worse than debt - that gnawing feeling in the pit of your stomach as you realise that there are bills to pay and nothing with which to pay them! Families break up because of it, people commit suicide for the same reason, and when times are hard - as they are at the start of 2009 - more people than ever will be facing the harsh realities of no work, no credit and no money.
That is why a successful businessman, Nigel Spears of Buckles Investment Services Ltd, is setting up a Debt Counselling service. He will offer free advice to anyone who is either in debt or who wants to avoid getting into debt, helping you to draw up a realistic budget and, if necessary, contacting creditors on your behalf. If the worst comes to the worst and it is impossible to pay off your debts, then you can be sure of a sympathetic ear and advice that will be fair and impartial.
The coffee isn't bad either.