'Managing Your Debt' is a practical and straightforward guide to managing your finances and getting your money, and your life, back on track. It covers a wide-range of topics including how to identify and deal with priority debts, the best way to make a debt-management plan, who to write to and what to say and what to expect should you ever face bankruptcy or an Individual Voluntary Agreement. Written by the Guardian's economics correspondent Phillip Inman, 'Managing Your Debt' also covers small-scale debts such as personal loans, store cards and hire purchase. It explains the credit-rating system and shows how it scores us - a process that affects the day-to-day financial choices we all make.The guide also covers: debt management and consolidation companies; postgraduate and student loans; the rights and responsibilites of lenders; basic bank accounts and credit unions; and, mortgage and rent arrears. "Managing Your Debt" is essential reading for anyone concerned that their debts are building or that they are already out of control. This guide will assist you through the red tape in an unbiased, straightforward and jargon-free way, helping to get your finances, and your life, back in order.