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Drowning in debt? This guide offers a lifeline. It encourages you to take control of the situation and spot the signs of financial difficulty in time to do something about them. It shows how to explore the options open to you, understand the implications of each course of action and make informed choices. Most of all, the book speaks reassuringly about the value of honest failure in a dynamic market economy and dispels much of the shame and stigma that have dogged insolvency for centuries.