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Advice on making initial contact with UK CC firms


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Am a UK citizen, resident in Holland and working here 4 years, in debt to UK CC's. Owe uowards of 15k, and because of domestic , family and mental health issues am in arrears, and have defaulted, and account are suspended The firm are asking me to make contact. Since the debt is mine, am not sure what to say, or wheher to phone or put it in writing. Obviously, am not wanting the debt to grow, but not sure what can be said or done at this stage. Any ideas?

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