DO NOT agree to hand over the keys of your home, or to sell it voluntarily, without first taking independent advice.

Remember that discussions can take place before, during and after legal proceedings. You can apply to vary a judgement, or suspend a warrant.

If you are in arrears with your mortgage, DON'T PANIC, benefit from our professional advice.

AND REMEMBER, OUR ADVICE IS FREE FOR THE FIRST HALF HOUR AND THAT'S PROBABLY ALL THE TIME YOU WILL NEED

BEWARE: handing in your keys does not necessarily stop the debt increasing.

FOR MORE INFORMATION ON MORTGAGE ARREARS

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