Most or us owe money to people or organisations most of the time: bills are a fact of life. But, occasionally, we may find ourselves swamped by debts, and can't see a way of paying them all. But it's never a good idea to ignore bills. Instead you need to get help to deal with them. 24-7 is the only financial web site to offer its visitors practical debt advice, letters and forms, e-mail - telephone support and even live web help. Our service is designed to help the thousands of ordinary people in debt.... become debt free!

This section explains your legal rights when you have debts, and the protection you have from people who are demanding money from you. There is information on:

• Rent or mortgage payment problems
• Council Tax bill problems
• Hire purchase (HP) problems
• Loans and credit problems
• Dealing with many debts
• Dealing with bailiffs

Should you want to discuss your debts or need urgent advice call our advisers on 0800 881 8879 (FREEPHONE) or email us at: debtadvice@24-7finance.com . This is a confidential and free service.