If you live in the UK and more particularly in the area of Essex, you will find help with Essex debt collection practices at the UK Small Business Directory. There you will find listings for companies who specialize in answering the questions you might have about collection practices in your area. If you are a business entity, there are numerous sites available providing a list of collection agencies where you can obtain free advice to help you recover your bad debt. You will want to check with several as fees for these services may vary.

There are also companies in Essex that give out free information on mortgage management and debt consolidation. Usually these companies can provide mortgages on either residential or commercial dwellings that can help consumers reduce the overall payments that individuals are making by tapping into the equity of their real estate. If you are faced with an Essex debt collection problem and wish to consolidate debt, you will need to have some information at the ready when you make initial contact to these companies. First, you will need to be aware of the value of your real estate. You can find out some general information about this by asking around to determine what similar properties have sold for in your neighborhood in recent months. You will also want to have available a list of your monthly obligations to include credit card payments, installment loan debts and other bills that you are required to pay monthly. Similarly, in order to help you obtain some of the equity in your real estate; your debt counselor will need to know your income and may ask to acquire a copy of your credit report. Once this information is obtained, your counselor can tell you if you can qualify for a debt consolidation mortgage to eliminate your debt.