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When it comes to clearing off bad debt, do not wait for the bailiff to come. The critical thing is to do something. It may seem like your debt problem is the heaviest in the world, however, no debt situation is permanent. You may wonder what is it that the team at DEBT HEALING BY FINANCIALLY FOCUSED actually do? What we do is take a stand for our clients. If you are in a rough situation with your debt, we first classed the debt. Are you dealing with a debt emergency? If that is the case, these debts must be negotiated QUICKLY because you could be in legal trouble or be without a roof over your head. How do you know you are in a debt emergency? Usually, it is a court matter and you need strong support. Next, we deal with Priority Debts. These are high in priority because they will impact your standard of living if they are not paid off. At this point in the DEBT HEALING process, DEBT COUNSELING is critical along with the action. Here we want to deal with BEHAVIOUR CHANGE and not just handling paperwork or bank negotiation. Then there are Non Priority debts. Usually, these are expensive debts like credit cards, personal loans, overdrafts, and other loans. These are the debts we help our clients clear off.