Everyone with even a little bit of debt has to manage their debt. You have keep up your payments and make sure it doesn't get out of control.
On the other hand when you have too much too much debt, you have to put more effort into paying off your debt while juggling payments on the debts you're not paying right now.
Basic steps to managing your debt
If you are struggling then the first step is to Face facts, be honest about the size of the problem and seek help
Get free debt advice, advice how to speak to the people you owe money to, and tips to help you pay back your debts in the right order here
Or contact your local advice provider who will be able to help
Find your local debt advice provider through the Community Hub
If you would like further information you might find the links below useful: