You may realise that you have either a few, or many outstanding debts, invoices or bills that you simply cannot afford to pay. The most important task you have now is simply to face up to them. The job of sitting down and itemising what you owe is probably the hardest and most distressing task on the road to clearing your debts.
The first thing to do is to make a pile of invoices, tear open all those envelopes you may have hidden away, and have a good look through them. As you work through the pile, you may find some that you don't think of as being particularly important. However, make sure that you include them anyway, so that every debt, no matter how big or small, will be dealt with. Your creditors won't forget that you owe them money, so you will never be completely free from the worry of debt unless you see every single item laid out in front of you.
As you work your way though the invoices, make a list of each debt and note the agreed monthly payment, if there is one, alongside the balance. It doesn't matter how long the list is, or how small each item is, write everything down. You will soon begin to see the extent of the problem, and often seeing it in black and white can take away some of your worst fears.
You may end up with something like this:
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