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TOO MUCH DEBT? •   Do you use your credit card and overdraft facility to pay debts and buy food and other necessities? •   Do you borrow money to pay other debts? •   Do you skip on payments for some accounts in order to pay others? •   Do you miss bill payments (such as telephone and electricity) because you need to make credit      repayments? •   Have you received letters and/ or summons from creditors or lawyers? ITS TIME TO TAKE ACTION!