This guide has been, researched, produced and written a person who was made redundant 9 years ago from a £16,000 a year job. He also lost his home and most possessions, watched his own business go bust, which produced a £28,000 a year income and at one time had 37 different creditors after him for money. At the end of all this was left with over £100,000 in debts, both personal and business.

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