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Feel good fuzz used to sell. Tackling Debt According to a DTI survey carried out in 2002, a household is likely to be overindebted if 25% of your annual income is spent on repaying Creditors 50% of your annual income is spent on repaying credit and mortgages You have 4 or more companies that you owe money to. You can also use it as a great shopping device to get comparable quotes then call a company directly to make the deal go through.Ask for references and qualifications and be cautious of predatory lenders.