The effects of the credit crunch are lasting much longer than some had thought and it seems that the end is still nowhere in sight. ?Piles of unopened envelopes, ignoring the phone, constant worry and sleepless nights - these are just some of the symptoms of debt denial? comments Gary Sans of Lanyon Bowdler Solicitors.

Naturally the credit card bills start to arrive from January and you have entered into the New Year burdened with debt as a result of overspending at Christmas time. Each month brings new reasons to hide further under the duvet and simply hope for the best.

You are not alone. The UK debt help market has never been busier, as a massive percentage of the nation's consumers struggle to cope with their finances.

However serious your debt problems are you need to be proactive in sorting them out. Sitting at home worrying isn't going to fix anything and neither will denial. If you have serious debt problems then you have to take decisive action.

Gary Sans of Lanyon Bowdler Solicitors comments, ?Come January, people find themselves in a situation where previous financial worries are amplified by the bills arriving from the festive season. If you find yourself in this black hole and seem to be falling deeper and deeper you need to seek advice from an experienced debt professional. Lanyon Bowdler has the experience to guide you through this difficult time and help you to see the light at the end of the tunnel?.