--- title: What Not to do When You Are in Debt description: The behaviour you should avoid when you are in debt. image: https://lanyana.revivefinancial.com.au/hubfs/What-not-to-do-when-you're-in-debt.jpg --- [![DR-Logo---Powered-by-RF-(2021)-137x60px](https://lanyana.revivefinancial.com.au/hubfs/DR-Logo---Powered-by-RF-(2021)-137x60px.png)](https://debtrescue.com.au) Menu [Apply Online](https://solutions.debtrescue.com.au/online-assessment-form) [1800 003 328](tel:+611800003328) 1800 003 328 - [Recent Articles](https://solutions.debtrescue.com.au/articles) - [Debt Consolidation](https://solutions.debtrescue.com.au/articles/tag/debt-consolidation) - [Debt Agreements](https://solutions.debtrescue.com.au/articles/tag/debt-agreements) - [Informal Agreements](https://solutions.debtrescue.com.au/articles/tag/informal-agreement) - [Debt Relief](https://solutions.debtrescue.com.au/articles/tag/debt-relief) - [Bankruptcy](https://solutions.debtrescue.com.au/articles/tag/bankruptcy) - [Budgeting](https://solutions.debtrescue.com.au/articles/tag/budgeting) - [Business Debt](https://solutions.debtrescue.com.au/articles/tag/business-debt) - [Credit File](https://solutions.debtrescue.com.au/articles/tag/credit-file) - [Education](https://solutions.debtrescue.com.au/articles/tag/education) - [News](https://solutions.debtrescue.com.au/articles/tag/news) - [Research](https://solutions.debtrescue.com.au/articles/tag/research) - [1800 003 328](tel:+611800003328) Talk to a Professional Apply Online [1800 003 328](tel:+611800003328) Call Now # What Not to do When You Are in Debt Posted by [Debt Rescue](https://lanyana.revivefinancial.com.au/articles/author/debt-rescue) on Feb 26, 2013 6:05:00 AM - [Tweet](https://twitter.com/share) [![What-not-to-do-when-you're-in-debt](https://lanyana.revivefinancial.com.au/hubfs/What-not-to-do-when-you're-in-debt.jpg)](https://lanyana.revivefinancial.com.au/articles/what-not-to-do-when-you-are-in-debt) The internet is full of great articles telling you what you need to do to get out of debt. But no one is really telling you the behaviour you should avoid when you are in debt.Knowing what-not-to-do in debt is just as important because it shows you your mistakes long before you have a chance to make them. Debt Rescue has singled out 3 key behaviours you should avoid when you fall in debt. ## In Debt No-No Number 1 - Ignore Your Debt When you are in debt, the worst thing you can do is ignore it in the hope it will eventually go away. Out of sight and out of mind does not mean it is out of existence and if you let it grow and build it will spiral out of your control in no time. ### Instead, You Should: If you notice you are starting to struggle with your repayments, act immediately by creating a budget. Find out where you can save some money in your everyday spending and put that money towards your debts. Call a [personal debt management company](https://debtrescue.com.au) and see if they can offer you some advice. ## In Debt No-No Number 2 - Lie to Your Creditors Depending on how in debt you are, you have probably already heard from your creditors or the collection agency they employ. Sometimes, this recovery action can be rude and intrusive and you feel compelled to say whatever it takes to get them off the phone. If you tell your creditors you can pay a certain amount of money by Monday, knowing it is impossible, you are only going to make the situation worse. ### Instead, You Should: Tell your creditors exactly how it is. They might seem aggravated and uncaring, but at least they won't have any false expectations about your repayments. If you employ a personal debt management company such as Debt Rescue to act on your behalf, the creditors must deal directly with them. ## In Debt No-No Number 3 - Pay Your Debts with Your Credit Card When you are in debt you should avoid using a credit card, full stop. Using a credit card is using borrowed money at a very high interest rate. If you are struggling to repay your debts now, how will you expect to repay your credit card as it gains more and more interest each month. ![Is-Your-Business-In-Financial-Distress](https://lanyana.revivefinancial.com.au/hubfs/DR%20Blog%20CTA%20Banner%20-%20Personal%20Debt%20Solutions.gif) ### Instead, You Should: Cut your credit card into tiny pieces and throw it in the bin. If you want to consolidate your debts, it's better to do it with a consolidation loan rather than your credit card. ## Get Out of Debt and Stay There If you are in debt and need help getting out, call Debt Rescue. This personal debt management company can help you find the best debt relief solution for your situation. It will also assist you in improving your spending habits and behaviour so you never fall in debt again. If you are in debt and want a way to get out, call Debt Rescue on [1800 003 328](tel:1800%2000%203328). For more information on budgeting and how it can help get your finances back on track, check out our [budgeting page.](https://debtrescue.com.au/budgeting/) Topics: [Budgeting](https://lanyana.revivefinancial.com.au/articles/tag/budgeting), [Debt Relief](https://lanyana.revivefinancial.com.au/articles/tag/debt-relief), [Education](https://lanyana.revivefinancial.com.au/articles/tag/education) ## More Articles - Recent Articles - Debt Consolidation - Debt Agreements - Informal Agreements - Debt Relief - Bankruptcy - Budgeting - Business Debt - Credit File - Education - News - Research ### Subscribe Here! ### Get the Latest Debt Free and Budgeting Advice straight to Inbox Free ### Recent Posts ### If you are in too deep with debt, we here to rescue you. We have the right solution for your situation. Contact us today. No obligations, just solutions! ## Talk to an Aussie who cares. 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Liability limited by a scheme approved under professional standards legislation. ## What Kind of Debts Do You Have? ![](https://debtrescue.com.au/wp-content/uploads/2020/11/Credit-card-icon.png) Credit/Store Card ![](https://debtrescue.com.au/wp-content/uploads/2020/11/Personal-loan-icon.png) Personal Loan ![](https://debtrescue.com.au/wp-content/uploads/2020/11/Pay-day-loan-icon.png) Pay Day Loan ![](https://debtrescue.com.au/wp-content/uploads/2020/11/tax-debt-icon-green.png) Tax Debt ![](https://debtrescue.com.au/wp-content/uploads/2020/11/Unitilties-Icon.png) Utility Bill ![](https://debtrescue.com.au/wp-content/uploads/2020/11/other-icon.png) Other Please select at least one type of unsecured debt. Next ## How Much Money Do You Owe? $10,000 $1,000 $100,000+ Next ## Find Out How To Reduce Your Debt ### Your First Name ### Your Last Name ### Your Email ### Your Phone Phone number must be 10-digits long and begin with a 0. (e.g. 04 1234 5678) ### Your Post Code Post code must be 4-digits long (e.g. 4567) Some of your details appear incorrect. Please update the highlighted fields and re-submit. Submit ## Congratulations! ### You've taken the first step to becoming debt free Let's keep the momentum going and complete our assessment form to receive an instant debt analysis. [Start Instant Assessment](https://solutions.debtrescue.com.au/online-assessment-form) By submitting this form you acknowledge that you have read and accept our [Privacy Policy](https://lanyana.com.au/privacy-policy/)