This section looks at the practicalities of dealing with individuals and organisations to whom you owe money.

You should deal with creditors and other interested parties in a business-like manner, but you should remember at all times that you are dealing with people not rganisations.

People can be open to persuasion, may feel sympathy for your situation. and certainly have the power to change the outcome of your problems

by their decisions. In turn, you can affect these decisions by the way you deal with the people involved.