Stressed about debts?

"Anxiety has made communicating with creditors difficult, especially over the phone.  I often screen calls and do not answer those I know are going to be creditors.  Depression and anxiety cause me to procrastinate ... often leading to more charges for non-payment as I have not been in contact to provide reasons or to state that I am finding payment difficult." 

"The worry of the debts and not being able to pay bills just makes everything seem worse and you feel as if things will never change and you will never be able to pay or catch up with arrears."

When you take control and get free help, life will feel more manageable.