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If you are really serious about your goal to reduce your debt, you'll have to scrutinise the methods by which you manage money and shop. There are so many tempting ways to spend money unwisely but you will never reduce your debt unless you maintain consistent discipline with spending and saving. You might have just recently seen the need to reduce your debt because you realize that it is snowballing. Here are some areas to focus on that will help you reduce your debt.
A trust deed is employed in Scotland and is a voluntary but legally binding formal arrangement between a debtor, a trustee and their creditors. A debtor, an individual who often has a very large sum of debt they need to clear, volunteers to transfer their assets to a professional Insolvency Practitioner, known as a trustee. It is then the responsibility of the trustee to administer these assets between the creditors.
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