Speak to DCA or try to contact original creditors?

Azzablags2

So without going into too much detail yet I have approx 8k of personal debt spread over 3 credit cards, a catalogue, a loan and an overdraft. As I'm going to be 30 in less than. 6 months I want to start getting a handle on my finances and work towards sorting this out. I've had letters/calls from various DCA including PRA, akinika and moorcroft so not sure who has what debts. Would I be best off speaking to them or trying to deal with the original creditors and work out a payment plan with them? Don't want to commit to much to Any one person as I'm not on a fixed contact so hours at work will most likely drop for the next few months and I have priority debts of council tax and a ccj for water bill to pay on top of rent etc

sourcrates

Hi,

Check your credit report, it will tell you who owns what.

Noddle is free to use.

Or wait until you are written to, then respond to them.

Best to stay off the phone, do everything either in writing, or by email.