£25,000...
If you have reached this level of debt, then you are not alone.
Nearly 1 million of us in the UK have "problem" unsecured debts, and these add up to £25 billion; that's an average of £25,000 each.
And with the credit crunch in full swing, this could mean double the number of us succumbing to debt woes this year.
A new report by debt management company TDX Group revealed the figures as part of their research into the UK consumer debt mountain of £1.4 trillion.
Unsurprisingly, about 60% of the money we owe is on credit cards, with the rest mainly personal loans.
TDX's report, "UK Problem Debt; consumer crisis or efficient market?" warns that the changing economic conditions, including the property market slowdown and an increase in personal inflation, will result in more of us facing debt problems.
It adds that the recent credit crunch and stricter lending practices will have a major impact on solutions available for those of you looking to manage your debts.
That could see the number of those of people taking out individual voluntary arrangements (IVAs) double this year.
IVAs are an alternative to bankruptcy that allow you to restructure your debts with less damage to your credit rating and employment prospects.
Last year, 400,000 people entered into IVAs and debt management schemes, as an estimated 58% of people who were unable to keep up with their debts refinanced them or remortgaged to make their repayments more manageable.
Meanwhile, up to 45% of people fail to complete their IVA (these typically run for five years) with 15% dropping out during the first 12 months.
This can leave you worse off because the fees paid to an IVA company vary from between £5,000 and £9,000 and these come from your repayments.
If you find yourself in difficulties, its best to shop around for the best solution for your debts as the majority of people who take out a debt solution plan sign up with the first organisation they contact.
That is why you should use the Money Hospital health check for a quick personal check up.
You should also speak free of charge to a debt adviser who can provide you with advice and solutions to help you resolve your debt and credit problems.
Also if you are struggling with your finances then do not panic. You can seek advice and support from these organisations:
Consumer Credit Counselling Service
National Debtline
Citizen's Advice Bureau
Samaritans
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